| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | HEALTH CARE SERVICE CORPORATION | $28K | $558 | $28K | 5.63% |
| STEPHANIE P CAVAZOS3 | 2207 N 23RD ST MCA, TX 78501 | AFLAC | $8K | $0 | $8K | 20.98% |
| BERTHA ALICIA IBARRA3 | 2807 W COAST DR WELSACO, TX 78596 | AFLAC | $3K | $34 | $3K | 7.38% |
| CAROL ANN KEITH3 | 2211 N 23RD ST MCALLEN, TX 78501 | AFLAC | $3K | $0 | $3K | 7.04% |
| GRISELDA PEREZ3 | 2209 BETTY DR MISSION, TX 78572 | AFLAC | $2K | $0 | $2K | 4.72% |
| IRENE LUNA3 | 317 S K CENTER ST MCALLEN, TX 78501 | AFLAC | $1K | $0 | $1K | 3.83% |
| LINDSAY K MORAVITZ3 | 6346 N MILE 4 W WESLACO, TX 78599 | AFLAC | $232 | $0 | $232 | 0.64% |
| SWANTNER & GORDON INS AGENCY LLP3 Filed as: SWANTNER & GORDON INSURANCE AGENCY | PO BOX 870 CORPUS CHRISTI, TX 78403 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 13.85% |
| STEPHANIE P CAVAZOS3 | 2207 N 23RD ST MCALLEN, TX 78501 | AFLAC | $2K | $0 | $2K | 20.13% |
| BERTHA ALICIA IBARRA3 | 2807 W COAST DR WESLACO, TX 78596 | AFLAC | $1K | $34 | $1K | 10.89% |
| CAROL ANN KEITH3 | 2211 N 23RD ST MCALLEN, TX 78501 | AFLAC | $820 | $0 | $820 | 8.51% |
| GRISELDA PEREZ3 | 2209 BETTY DR MISSION, TX 78572 | AFLAC | $518 | $0 | $518 | 5.38% |
| IRENE LUNA3 | 317 S K CENTER ST MCALLEN, TX 78501 | AFLAC | $493 | $0 | $493 | 5.12% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | DEARBORN LIFE INSURANCE COMPANY | $603 | $301 | $904 | 15.11% |
| SWANTNER & GORDON INS AGENCY LLP3 Filed as: SWANTNER & GORDON INSURANCE AGENCY | PO BOX 870 CORPUS CHRISTI, TX 78403 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $177 | $0 | $177 | 9.19% |
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 | 94 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 94 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICE CORPORATION | 95 | $502K |
| Dental | HEALTH CARE SERVICE CORPORATION | 95 | $502K |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 45 | $6K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 94 | $17K |
| Other(4 contracts, 2 carriers) | AFLAC | 94 | $62K |
| 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.