| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | HEALTH CARE SERVICE CORPORATION | $89K | $0 | $89K | 2.43% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLS TOWERS WATSON INS SERVICES | — | HEALTH CARE SERVICE CORPORATION | $0 | $5K | $5K | 0.12% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | DEARBORN LIFE INSURANCE COMPANY | $35K | $0 | $35K | 11.43% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | METROPOLITAN LIFE INSURANCE COMPANY | $19K | $3K | $23K | 12.43% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SRVS WEST | PO BOX 101162 PASADENA, CA 911890005 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $85 | $85 | 0.05% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | SAFEGUARD HEALTH PLANS INC | $2K | $323 | $2K | 13.84% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SRVS WEST | PO BOX 101162 PASADENA, CA 911890005 | SAFEGUARD HEALTH PLANS INC | $0 | $11 | $11 | 0.08% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 15.00% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | SAFEGUARD HEALTH PLANS INC | $698 | $195 | $893 | 15.60% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SRVS WEST | PO BOX 101162 PASADENA, CA 911890005 | SAFEGUARD HEALTH PLANS INC | $0 | $5 | $5 | 0.09% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TEXAS INC | PO BOX 731739 DALLAS, TX 753731739 | SAFEGUARD HEALTH PLANS INC | $0 | -$12 | -$12 | -0.21% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 422 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 426 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICE CORPORATION | 531 | $3.7M |
| Dental(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 620 | $202K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 620 | $182K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 422 | $307K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 422 | $307K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 422 | $307K |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 422 | $320K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 620 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.