| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC. | P.O. BOX 908 FORT WORTH, TX 761010908 | BLUE CROSS BLUESHIELD OF TEXAS | $21K | $236 | $21K | 6.28% |
| ROGERS BENEFIT GROUP INC3 Filed as: WILLIAM GRADY ROGERS | 500 W. 13TH STREET FORT WORTH, TX 76102 | BLUE CROSS BLUESHIELD OF TEXAS | $5K | $420 | $5K | 1.49% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC. | P.O. BOX 908 FORT WORTH, TX 761010908 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $1K | $3K | 9.53% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC. | 500 W. 13TH STREET FORT WORTH, TX 761024657 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $743 | $5K | 23.45% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC. | 500 W 13TH STREET FORT WORTH, TX 761024657 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $378 | $2K | 18.72% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC. | 500 W. 13TH STREET FORT WORTH, TX 761024657 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $677 | $160 | $837 | 18.54% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC. | 500 W. 13TH STREET FORT WORTH, TX 761024657 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $574 | $99 | $673 | 23.46% |
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 | 1,261 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,261 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUESHIELD OF TEXAS | 41 | $342K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 152 | $32K |
| Life insurance(4 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,224 | $381K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 33 | $5K |
| Long-term disability(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,224 | $366K |
| Prescription drug | BLUE CROSS BLUESHIELD OF TEXAS | 41 | $342K |
| Other(5 contracts, 4 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,500 | $383K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,500 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.