| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | PO BOX 908 STE 3008 FORT WORTH, TX 76102 | ANTHEM BLUE CROSS | $45K | $23K | $67K | 1.34% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | PO BOX 908 STE 3008 FORT WORTH, TX 76102 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $14K | $14K | 2.01% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | PO BOX 908 STE 3008 FORT WORTH, TX 76102 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $11K | $11K | 1.91% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | PO BOX 908 STE 3008 FORT WORTH, TX 76102 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $6K | $6K | 2.00% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | PO BOX 908 FORT WORTH, TX 76102 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 1.99% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | PO BOX 908 STE 3008 FORT WORTH, TX 76102 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.80% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | PO BOX 908 STE 3008 FORT WORTH, TX 76102 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.97% |
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 | 1,474 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,481 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 4 carriers) | ANTHEM BLUE CROSS | 513 | $5.8M |
| Vision(2 contracts, 2 carriers) | ANTHEM BLUE CROSS | 1,464 | $5.2M |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,806 | $679K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,806 | $590K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,803 | $291K |
| Other(6 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,936 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,936 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.