| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINBOTHAM INS AGENCY INC Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | PO BOX 908 FORT WORTH, TX 76101 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $241K | $241K | 4.76% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | PO BOX 908 FORT WORTH, TX 76101 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $22K | $0 | $22K | 6.40% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | PO BOX 908 FORT WORTH, TX 76101 | THE LINCOLN NATIONAL LIFE INSRUANCE COMPANY | $20K | $0 | $20K | 15.00% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | PO BOX 908 FORT WORTH, TX 76101 | THE LINCOLN NATIONAL LIFE INSRUANCE COMPANY | $20K | $0 | $20K | 15.00% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | PO BOX 908 FORT WORTH, TX 76101 | THE LINCOLN NATIONAL LIFE INSRUANCE COMPANY | $13K | $0 | $13K | 15.00% |
| RYAN GROSE3 | 620 MABRY HOOD RD STE 201 KNOXVILLE, TN 37932 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $7K | $0 | $7K | 9.85% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | PO BOX 908 FORT WORTH, TX 76101 | THE LINCOLN NATIONAL LIFE INSRUANCE COMPANY | $5K | $0 | $5K | 15.00% |
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 | 764 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 778 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 721 | $5.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 597 | $343K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 940 | $68K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSRUANCE COMPANY | 764 | $115K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSRUANCE COMPANY | 346 | $133K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSRUANCE COMPANY | 317 | $131K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSRUANCE COMPANY | 764 | $115K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 940 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.