| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | HEALTH CARE SERVICE CORPORATION | $25K | $513 | $25K | 5.80% |
| BELINDA MORALES3 | 8820 WILL CLAYTON PKWY STE F HUMBLE, TX 77338 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | $0 | $4K | 16.07% |
| THE DOUG THOMPSON AGENCY LLC3 | 1117 N STUART PLACE RD STE 104 HARLINGEN, TX 78552 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 4.24% |
| SOMMER HILL3 | 8820 WILL CLAYTON PKWY STE F HUMBLE, TX 77338 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $876 | $0 | $876 | 3.43% |
| BREANNA MORALES3 | 8820 WILL CLAYTON PKWY STE F HUMBLE, TX 77338 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $802 | $0 | $802 | 3.14% |
| CINIA C MONTOYA3 Filed as: CINIA MONTOYA | PO BOX 61015 CORPUS CHRISTI, TX 78466 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $556 | $0 | $556 | 2.18% |
| STARNES-OSBURN & ASSOCIATES, LLC3 Filed as: STARNES-OSBURN & ASSOC LLC | PO BOX 740 HALLETTSVILLE, TX 77964 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $383 | $0 | $383 | 1.50% |
| BENJAMIN I GARCIA3 Filed as: BENJAMIN FISZMAN | 4500 N 10TH ST STE 30 MCALLEN, TX 78504 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $185 | $0 | $185 | 0.72% |
| DONALD W STARNES3 | 10431 DREAMLAND DR SAN ANTONIO, TX 78230 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $79 | $0 | $79 | 0.31% |
| CRISELDA LEAL3 | 208 PALMETTO ST CORPUS CHRISTI, TX 78412 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $69 | $0 | $69 | 0.27% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 13.90% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $174 | $0 | $174 | 9.19% |
| CINIA C MONTOYA3 Filed as: CINIA MONTOYA | PO BOX 61015 CORPUS CHRISTI, TX 78466 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $140 | $0 | $140 | 12.38% |
| STARNES-OSBURN & ASSOCIATES, LLC3 Filed as: STARNES-OSBURN & ASSOC LLC | PO BOX 740 HALLETTSVILLE, TX 77964 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $81 | $0 | $81 | 7.16% |
| THE DOUG THOMPSON AGENCY LLC3 | 1117 N STUART PLACE RD STE 104 HARLINGEN, TX 78552 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $43 | $0 | $43 | 3.80% |
| DONALD W STARNES3 | 10431 DREAMLAND DR SAN ANTONIO, TX 78230 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15 | $0 | $15 | 1.33% |
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 | 95 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 96 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICE CORPORATION | 93 | $433K |
| Dental | HEALTH CARE SERVICE CORPORATION | 93 | $433K |
| Life insurance(3 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 95 | $40K |
| Short-term disability(2 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 26 | $27K |
| Other(4 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 95 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 95 | — |
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."
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.