| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | 500 W. 13TH STREET SUITE 250 FORT WORTH, TX 76102 | AETNA LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | 11700 KATY FREEWAY SUITE 1100 HOUSTON, TX 77079 | AETNA LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | 500 W 13TH ST STE 250 FORT WORTH, TX 76102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $2K | $11K | 12.65% |
| AMY SNODDY3 | BOX 1074 GRANDVIEW, TX 76050 | AFLAC | $4K | $362 | $4K | 6.55% |
| CHRISTOPHER D SNODDY3 | BOX 1074 GRANDVIEW, TX 76050 | AFLAC | $1K | $72 | $1K | 2.22% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS INC | 429 W 3RD ST SUITE 800 FORT WORTH, TX 76102 | AFLAC | $554 | — | $554 | 0.83% |
| DAVID R FISHER3 | 2409 FORREST PARK BLVD FORT WORTH, TX 76110 | AFLAC | $458 | — | $458 | 0.69% |
| VERNON P HERRERA3 | PO BOX 310 SANTA FE, NM 87504 | AFLAC | $436 | — | $436 | 0.65% |
| KATHY J JOHNSON3 | 4600 N 5TH ST MCALLEN, TX 78504 | AFLAC | $431 | — | $431 | 0.65% |
| SOMMER NORRIS RIEHN3 | 9568 ASH CREEK DR DALLAS, TX 75228 | AFLAC | $269 | — | $269 | 0.40% |
| INSGROUP INC3 Filed as: INDEPENDENT INS GROUP BENEFITS INC | 12222 MERIT DR STE 1230 DALLAS, TX 75251 | AFLAC | $232 | — | $232 | 0.35% |
| YVETTE D SIMPSON3 | 1318 MONTGOMERY LANE SOUTHLAKE, TX 76092 | AFLAC | $220 | — | $220 | 0.33% |
| CHRISTOPHER STRIANO3 | 210 SPRINGHILL DR SPRING, TX 77386 | AFLAC | $207 | — | $207 | 0.31% |
| MARCO JOE KLIMEK3 | 3301 AIRPORT FRWY STE 324 BEDFORD, TX 76021 | AFLAC | $89 | $72 | $161 | 0.24% |
| HENRY J VIGIL3 | 8100 GAYLORD PKWY APT 1125 FRISCO, TX 75034 | AFLAC | $143 | — | $143 | 0.21% |
| ANGELIQUE N LILES3 | 305 REGENCY PKWY STE 605 MANSFIELD, TX 76063 | AFLAC | $132 | — | $132 | 0.20% |
| GBC BENEFITS LTD3 | 2409 FOREST PARK BLVD 2ND FLOOR FORT WORTH, TX 76110 | AFLAC | $127 | — | $127 | 0.19% |
| DAVID J ROTH3 | 507 N SAM HOUSTON PKWY E STE 450 HOUSTON, TX 77060 | AFLAC | $127 | — | $127 | 0.19% |
| LYNN HALE3 | 18 SONORA DR TROPHY CLUB, TX 76262 | AFLAC | $124 | — | $124 | 0.19% |
| JASON B WEST3 | 6501 PEAKE RD STE 950 MACON, GA 31210 | AFLAC | $115 | — | $115 | 0.17% |
| EDWARD A ORAVETZ3 | 3333 ALLEN PKWY UNIT 3006 HOUSTON, TX 77019 | AFLAC | $112 | — | $112 | 0.17% |
| FRANKLIN R DAVIES3 | 201 ROYAL ABERDEEN WAY MCKINNEY, TX 75070 | AFLAC | $103 | — | $103 | 0.15% |
| MARCO JOE KLIMEK3 | 1501 LBJ FRWY STE 660 DALLAS, TX 75234 | AFLAC | $83 | — | $83 | 0.12% |
| MICHAEL A SIMPSON3 | 1318 MONTGOMERY LANE SOUTHLAKE, TX 76092 | AFLAC | $65 | — | $65 | 0.10% |
| BETHANY MICHELLE NOCE3 | 5503 GRANTMONT DR ARLINGTON, TX 76016 | AFLAC | $50 | — | $50 | 0.07% |
| JOHN A DONALDSON3 | 507 N SAM HOUSTON PKWY E STE 450 HOUSTON, TX 77060 | AFLAC | $46 | — | $46 | 0.07% |
| ROSEMARY HERRERA3 | PO BOX 801646 DALLAS, TX 75380 | AFLAC | $42 | — | $42 | 0.06% |
| CHARLES W SIMS3 | 8612 ROBERT ST FRISCO, TX 75035 | AFLAC | $38 | — | $38 | 0.06% |
| WILLIAM PENNINGTON3 Filed as: WILLIAM H PENNINGTON | 300 SQUAW CREEK RD WEATHERFORD, TX 76087 | AFLAC | $37 | — | $37 | 0.06% |
| KELLY KING WYSONG3 | 7212 OAKLAND DR NORTH RICHLAND HILLS, TX 76180 | AFLAC | $35 | — | $35 | 0.05% |
| MELVIN J ROBERSON3 | 4014 COLORADO ST TEXARKANA, TX 75503 | AFLAC | $32 | — | $32 | 0.05% |
| DOUG BACON3 | 18 SONORA DR TROPHY CLUB, TX 76562 | AFLAC | $28 | — | $28 | 0.04% |
| DARRELL L HOLLEY3 | 4601 ENGLEWOOD DR AUSTIN, TX 78745 | AFLAC | $26 | — | $26 | 0.04% |
| MICHAEL GRASS3 | 21707 KINGSLAND BLVD SUITE 105 KATY, TX 77450 | AFLAC | $23 | — | $23 | 0.03% |
| SUZANNE MARIE DONALDSON3 | 14800 MEMORIAL DR HOUSTON, TX 77079 | AFLAC | $21 | — | $21 | 0.03% |
| WM RIGG CO3 Filed as: RIGG LIFE AGENCY | 777 MAIN ST STE C-50 FORT WORTH, TX 76102 | AFLAC | $18 | — | $18 | 0.03% |
| TIFFANY INGRAM WALKER3 Filed as: TIFFANY I WALKER | 23611 LITCHFIELD BEND LN KATY, TX 77494 | AFLAC | $12 | — | $12 | 0.02% |
| MARY S MILLER3 | PO BOX 100623 FORT WORTH, TX 76085 | AFLAC | $11 | — | $11 | 0.02% |
| FRANK D LAFEMINA3 | 165 GUADALUPE ST STE 120 SAN MARCOS, TX 78666 | AFLAC | $10 | — | $10 | 0.01% |
| WILBURN L COLBERT3 | 6616 COUNTY ROAD 319 ALVARADO, TX 76009 | AFLAC | $7 | — | $7 | 0.01% |
| BRYANT G DICKINSON3 | 5150 HAYDENBEND CIRCLE GRAPEVINE, TX 76051 | AFLAC | $4 | — | $4 | 0.01% |
| JOHN M JOHNSON3 | 2150 W NORTHWEST HWY STE 114 GRAPEVINE, TX 76061 | AFLAC | $2 | — | $2 | 0.00% |
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 | 296 | 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) | 296 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 296 | $1.3M |
| Dental | QDC OF AMERICA | 146 | $5K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 197 | $87K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 197 | $87K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 197 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 296 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.