| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | 500 W 13TH ST FORT WORTH, TX 76102 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | $34K | $39K | 3.16% |
| 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 | $8K | $2K | $10K | 12.25% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: HEATHER ANN MARSH | 1821 KINSALE DRIVE KELLER, TX 76262 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $2K | $4K | 17.24% |
| COLONIAL OF NORTH TEXAS INSURANCE3 Filed as: COLONIAL OF NORTH TEXAS INS G | 4621 GLEN HEATHER DRIVE FRISCO, TX 75034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $2K | $3K | 10.36% |
| BRANDY R BYERS3 | 9766 STONEHEARTH FORNEY, TX 75126 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $248 | $3K | 9.72% |
| MPART BENEFITS INC3 | 4621 GLEN HEATHER DRIVE FRISCO, TX 75034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $232 | $129 | $361 | 1.39% |
| AMY SNODDY3 | BOX 1074 GRANDVIEW, TX 76050 | AFLAC | $486 | — | $486 | 2.80% |
| CHRISTOPHER D SNODDY3 | BOX 1074 GRANDVIEW, TX 76050 | AFLAC | $216 | — | $216 | 1.24% |
| VERNON P HERRERA3 | PO BOX 310 SANTA FE, NM 87504 | AFLAC | $172 | — | $172 | 0.99% |
| CHRISTOPHER STRIANO3 | 12218 FALL RIVER PASS LN HUMBLE, TX 77346 | AFLAC | $159 | — | $159 | 0.91% |
| YVETTE D SIMPSON3 | 1318 MONTGOMERY LANE SOUTHLAKE, TX 76092 | AFLAC | $99 | — | $99 | 0.57% |
| DAVID R FISHER3 | 3221 COLLINGSWORTH STREET FORT WORTH, TX 76107 | AFLAC | $93 | — | $93 | 0.54% |
| DAVID J ROTH3 | 800 ROCKMEAD DR STE 208 KINGSWOOD, TX 77339 | AFLAC | $85 | — | $85 | 0.49% |
| INSGROUP INC3 Filed as: INDEPENDENT INS GROUP BENEFITS INC | 12222 MERIT DR STE 1230 DALLAS, TX 75251 | AFLAC | $82 | — | $82 | 0.47% |
| KATHY J JOHNSON3 | 4600 N 5TH ST MCALLEN, TX 78504 | AFLAC | $53 | — | $53 | 0.30% |
| FRANKLIN R DAVIES3 | 201 ROYAL ABERDEEN WAY MCKINNEY, TX 75070 | AFLAC | $44 | — | $44 | 0.25% |
| EDWARD A ORAVETZ3 | 3220 SALISBURY CT FRIENDSWOOD, TX 77546 | AFLAC | $43 | — | $43 | 0.25% |
| HENRY J VIGIL3 | 7255 TEXAS RANGERS DR APT 1103 FRISCO, TX 75034 | AFLAC | $43 | — | $43 | 0.25% |
| MARCO JOE KLIMEK3 | 3301 AIRPORT FWY STE 324 BEDFORD, TX 76021 | AFLAC | $35 | — | $35 | 0.20% |
| ANGELIQUE N LILES3 | 3402 73RD ST UNIT E LUBBOCK, TX 79423 | AFLAC | $33 | — | $33 | 0.19% |
| ROSEMARY HERRERA3 | PO BOX 801646 DALLAS, TX 75380 | AFLAC | $28 | — | $28 | 0.16% |
| MICHAEL A SIMPSON3 | 1318 MONTGOMERY LANE SOUTHLAKE, TX 76092 | AFLAC | $23 | — | $23 | 0.13% |
| GBC BENEFITS LTD3 | 2409 FOREST PARK BLVD 2ND FLOOR FORT WORTH, TX 76110 | AFLAC | $22 | — | $22 | 0.13% |
| SOMMER NORRIS RIEHN3 | 262 E FM 552 ROCKWALL, TX 75087 | AFLAC | $21 | — | $21 | 0.12% |
| JASON B WEST3 | 1701 BASS RD STE 200 MACON, GA 31210 | AFLAC | $20 | — | $20 | 0.12% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS INC | 421 W 3RD ST SUITE 800 FORT WORTH, TX 76102 | AFLAC | $16 | — | $16 | 0.09% |
| BETHANY MICHELLE NOCE3 | 5503 GRANTMONT DR ARLINGTON, TX 76016 | AFLAC | $16 | — | $16 | 0.09% |
| JOHN M JOHNSON3 | 2150 W NORTHWEST HWY STE 114 GRAPEVINE, TX 76061 | AFLAC | $15 | — | $15 | 0.09% |
| MICHAEL GRASS3 | 21707 KINGSLAND BLVD SUITE 105 KATY, TX 77450 | AFLAC | $13 | — | $13 | 0.07% |
| MELVIN J ROBERSON3 | 4014 COLORADO ST TEXARKANA, TX 75503 | AFLAC | $13 | — | $13 | 0.07% |
| LYNN HALE3 | 18 SONORA DR TROPHY CLUB, TX 76262 | AFLAC | $13 | — | $13 | 0.07% |
| WILLIAM PENNINGTON3 | 300 SQUAW CREEK RD WEATHERFORD, TX 76087 | AFLAC | $12 | — | $12 | 0.07% |
| KELLY KING WYSONG3 | 7212 OAKLAND DR NORTH RICHLAND HILLS, TX 76180 | AFLAC | $11 | — | $11 | 0.06% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | 500 W 13TH ST STE 800 FT WORTH, TX 76002 | AFLAC | $9 | — | $9 | 0.05% |
| DARRELL L HOLLEY3 | 4601 ENGLEWOOD DR AUSTIN, TX 78745 | AFLAC | $8 | — | $8 | 0.05% |
| FRANK D LAFEMINA3 Filed as: FRANK LAFEMINA | 165 S GUADALUPE ST STE 120 SAN MARCOS, TX 78666 | AFLAC | $7 | — | $7 | 0.04% |
| DOUG BACON3 | 4107 APRIL DR ARLINGTON, TX 76016 | AFLAC | $7 | — | $7 | 0.04% |
| T ALLEN HOWDESHELL3 | 2400 STATE HWY 121 APT 2403 EULESS, TX 76030 | AFLAC | $5 | — | $5 | 0.03% |
| ROBERT SHEPARD COOPER3 | PO BOX 609 SANGER, TX 76266 | AFLAC | $3 | — | $3 | 0.02% |
| JEFF MUSGROVE3 | 3126 PINEY FOREST DR HOUSTON, TX 77084 | AFLAC | $3 | — | $3 | 0.02% |
| TODD A STULL3 Filed as: TODD STULL | 8203 WILLOW PLACE DR S STE 510 HOUSTON, TX 77070 | AFLAC | $3 | — | $3 | 0.02% |
| DAVID SIMPSON3 | 7724 TAMARRON CT NORTH RICHLAND HILLS, TX 76182 | AFLAC | $2 | — | $2 | 0.01% |
| SHELLY WEIGAND3 | 2607 ARMATRADING DR CEDAR PARK, TX 76813 | AFLAC | $2 | — | $2 | 0.01% |
| ZACHARY JOHNSON3 | 4447 N CENTRAL EXPY STE 110 DALLAS, TX 75205 | AFLAC | $2 | — | $2 | 0.01% |
| SUZANNE MARIE DONALDSON3 | 10200 SIX PINES DR APT 436 THE WOODLANDS, TX 77380 | AFLAC | $1 | — | $1 | 0.01% |
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 | 269 | 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) | 269 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 269 | $1.2M |
| Dental | QDC OF AMERICA | 158 | $2K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 195 | $108K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 195 | $82K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 195 | $108K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 269 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.