| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | 11700 KATY FRWY SUITE 1100 HOUSTON, TX 77079 | AETNA LIFE INSURANCE COMPANY | — | $7K | $7K | 0.55% |
| 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 | $10K | 11.59% |
| AMY SNODDY3 | BOX 1074 GRANDVIEW, TX 76050 | AFLAC | $4K | $207 | $4K | 5.77% |
| CHRISTOPHER D SNODDY3 | BOX 1074 GRANDVIEW, TX 76050 | AFLAC | $2K | $35 | $2K | 2.40% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | 500 W 13TH ST STE 800 FT WORTH, TX 76002 | AFLAC | $1K | — | $1K | 1.57% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS INC | 429 W 3RD ST SUITE 800 FORT WORTH, TX 76102 | AFLAC | $482 | — | $482 | 0.69% |
| VERNON P HERRERA3 | PO BOX 310 SANTA FE, NM 87504 | AFLAC | $438 | — | $438 | 0.63% |
| KATHY J JOHNSON3 | 4600 N 5TH ST MCALLEN, TX 78504 | AFLAC | $379 | — | $379 | 0.54% |
| DAVID R FISHER3 | 2409 FORREST PARK BLVD FORT WORTH, TX 76110 | AFLAC | $371 | — | $371 | 0.53% |
| ROBERT SHEPARD COOPER3 Filed as: ROBERT COOPER | PO BOX 609 SANGER, TX 76266 | AFLAC | $235 | — | $235 | 0.34% |
| INSGROUP INC3 Filed as: INDEPENDENT INS GROUP BENEFITS INC | 12222 MERIT DR STE 1230 DALLAS, TX 75251 | AFLAC | $230 | — | $230 | 0.33% |
| YVETTE D SIMPSON3 | 1318 MONTGOMERY LANE SOUTHLAKE, TX 76092 | AFLAC | $230 | — | $230 | 0.33% |
| CHRISTOPHER STRIANO3 | 210 SPRINGHILL DR SPRING, TX 77386 | AFLAC | $228 | — | $228 | 0.33% |
| DAVID ROTH3 | 800 ROCKMEAD DR STE 208 KINGSWOOD, TX 77339 | AFLAC | $140 | — | $140 | 0.20% |
| MARCO JOE KLIMEK3 | 1501 LBJ FRWY STE 660 DALLAS, TX 75234 | AFLAC | $139 | — | $139 | 0.20% |
| HENRY J VIGIL3 | 8100 GAYLORD PKWY APT 1125 FRISCO, TX 75034 | AFLAC | $135 | — | $135 | 0.19% |
| SOMMER NORRIS RIEHN3 | 9568 ASH CREEK DR DALLAS, TX 75228 | AFLAC | $88 | $41 | $129 | 0.18% |
| EDWARD A ORAVETZ3 | 2802 MORRISON ST UNIT 110 HOUSTON, TX 77009 | AFLAC | $113 | — | $113 | 0.16% |
| GBC BENEFITS LTD3 | 2409 FOREST PARK BLVD 2ND FLOOR FORT WORTH, TX 76110 | AFLAC | $105 | — | $105 | 0.15% |
| FRANKLIN R DAVIES3 | 201 ROYAL ABERDEEN WAY MCKINNEY, TX 75070 | AFLAC | $104 | — | $104 | 0.15% |
| ANGELIQUE N LILES3 | 4025 WOODLAND PARK BLVD STE 180 ARLINGTON, TX 76013 | AFLAC | $97 | — | $97 | 0.14% |
| JASON B WEST3 | 6501 PEAKE RD STE 950 MACON, GA 31210 | AFLAC | $96 | — | $96 | 0.14% |
| LYNN HALE3 | 18 SONORA DR TROPHY CLUB, TX 76262 | AFLAC | $62 | — | $62 | 0.09% |
| MICHAEL A SIMPSON3 | 1318 MONTGOMERY LANE SOUTHLAKE, TX 76092 | AFLAC | $59 | — | $59 | 0.08% |
| BETHANY MICHELLE NOCE3 | 5503 GRANTMONT DR ARLINGTON, TX 76016 | AFLAC | $54 | — | $54 | 0.08% |
| ROSEMARY HERRERA3 | PO BOX 801646 DALLAS, TX 75380 | AFLAC | $45 | — | $45 | 0.06% |
| JUANITA PENNINGTON3 | 300 SQUAW CREEK RD WEATHERFORD, TX 76087 | AFLAC | $40 | — | $40 | 0.06% |
| KELLY KING WYSONG3 | 7212 OAKLAND DR NORTH RICHLAND HILLS, TX 76180 | AFLAC | $38 | — | $38 | 0.05% |
| JOHN A DONALDSON3 | 800 ROCKMEAD DR STE 208 HOUSTON, TX 77060 | AFLAC | $35 | — | $35 | 0.05% |
| MELVIN J ROBERSON3 | 4014 COLORADO ST TEXARKANA, TX 75503 | AFLAC | $34 | — | $34 | 0.05% |
| JOHN M JOHNSON3 | 2150 W NORTHWEST HWY STE 114 GRAPEVINE, TX 76061 | AFLAC | $32 | — | $32 | 0.05% |
| DOUG BACON3 | 4107 APRIL DR ARLINGTON, TX 76016 | AFLAC | $29 | — | $29 | 0.04% |
| DARRELL L HOLLEY3 | 4601 ENGLEWOOD DR AUSTIN, TX 78745 | AFLAC | $28 | — | $28 | 0.04% |
| MICHAEL GRASS3 | 21707 KINGSLAND BLVD SUITE 105 KATY, TX 77450 | AFLAC | $25 | — | $25 | 0.04% |
| WM RIGG CO3 Filed as: RIGG LIFE AGENCY | 777 MAIN ST STE C-50 FORT WORTH, TX 76102 | AFLAC | $20 | — | $20 | 0.03% |
| CHARLES W SIMS3 | 8612 ROBERT ST FRISCO, TX 75035 | AFLAC | $11 | $3 | $14 | 0.02% |
| TIFFANY INGRAM WALKER3 Filed as: TIFFANY WALKER | 23611 LITCHFIELD BEND LN KATY, TX 77494 | AFLAC | $13 | — | $13 | 0.02% |
| JUDY LAFEMINA3 | PO BX 2129 FRISCO, TX 75034 | AFLAC | $11 | — | $11 | 0.02% |
| MARY S MILLER3 | PO BOX 100623 FORT WORTH, TX 76085 | AFLAC | $9 | — | $9 | 0.01% |
| THOWDESHELL3 | 2400 STATE HWY 121 APT 2403 EULESS, TX 76030 | AFLAC | $8 | — | $8 | 0.01% |
| SHELLY WEIGAND3 | 2607 ARMATRADING DR CEDAR PARK, TX 76813 | AFLAC | $7 | — | $7 | 0.01% |
| ZACHARY JOHNSON3 | 4447 N CENTRAL EXPY STE 110 DALLAS, TX 75205 | AFLAC | $7 | — | $7 | 0.01% |
| SUZANNE MARIE DONALDSON3 | 800 ROCKMEAD DR STE 208 KINGSWOOD, TX 77339 | AFLAC | $5 | — | $5 | 0.01% |
| BRYANT G DICKINSON3 | 5150 HAYDENBEND CIRCLE GRAPEVINE, TX 76051 | AFLAC | $4 | — | $4 | 0.01% |
| DAVID SIMPSON3 | 7724 TAMARRON CT NORTH RICHLAND HILLS, TX 76182 | AFLAC | $3 | — | $3 | 0.00% |
| TODD A STULL3 Filed as: TODD STULL | 8203 WILLOW PLACE DR S STE 510 HOUSTON, TX 77070 | AFLAC | $2 | — | $2 | 0.00% |
| JEFF MUSGROVE3 | 3126 PINEY FOREST DR HOUSTON, TX 77084 | AFLAC | $2 | — | $2 | 0.00% |
| ERIC LEGER3 | 10400 ACADAEMY RD NW STE 345 ALBUQUERQUE, NM 87111 | AFLAC | $1 | — | $1 | 0.00% |
| RICKY POLSER3 | 1210 COUNTY RD 4930 LEONARD, TX 75452 | AFLAC | $0 | — | $0 | 0.00% |
| DIRK BLANKENSHIP3 Filed as: DIRK BLAKENSHIP | PO BOX 989 HUFFMAN, TX 77336 | AFLAC | $0 | — | $0 | 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 | 285 | 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) | 285 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 285 | $1.4M |
| Dental | QDC OF AMERICA | 151 | $4K |
| Vision | AETNA LIFE INSURANCE COMPANY | 285 | $1.3M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 195 | $87K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 195 | $87K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 195 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 285 | — |
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.