| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: HIGGINBOTHAM/ROBERT H. MARSH JR. | 500 W 13TH STREET FORT WORTH, TX 76102 | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC | $62K | $0 | $62K | 4.52% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INS AGENCY | 500 W 13TH ST FORT WORTH, TX 76102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $15K | $0 | $15K | 15.00% |
| BRANDY R BYERS3 | 9766 STONEHEARTH FORNEY, TX 75126 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $26 | $1K | 3.95% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: HEATHER ANN MARSH | 1821 KINSALE DRIVE KELLER, TX 76262 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $462 | $0 | $462 | 1.69% |
| MPART BENEFITS INC3 | 4621 GLEN HEATHER DRIVE FRISCO, TX 75034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $323 | $79 | $402 | 1.47% |
| AMY SNODDY3 | PO BOX 1074 GRANDVIEW, TX 76050 | AFLAC | $602 | — | $602 | 2.78% |
| CHRISTOPHER D SNODDY3 | BOX 1074 GRANDVIEW, TX 76050 | AFLAC | $298 | — | $298 | 1.37% |
| CHRISTOPHER STRIANO3 | 13210 RIATA RIVER LN HUMBLE, TX 77346 | AFLAC | $239 | — | $239 | 1.10% |
| VERNON P HERRERA3 | PO BOX 310 SANTA FE, NM 87504 | AFLAC | $206 | — | $206 | 0.95% |
| DAVID R FISHER3 | 3221 COLLINSWORTH STREET FORT WORTH, TX 76107 | AFLAC | $139 | — | $139 | 0.64% |
| YVETTE D SIMPSON3 | 1318 MONTGOMERY LANE SOUTHLAKE, TX 76092 | AFLAC | $128 | — | $128 | 0.59% |
| DAVID J ROTH3 | 800 ROCKMEAD DR STE 208 KINGWOOD, TX 77339 | AFLAC | $127 | — | $127 | 0.59% |
| INSGROUP INC3 Filed as: INDEPENDENT INS GROUP BENEFITS INC | 12222 MERIT DR STE 1230 DALLAS, TX 75251 | AFLAC | $86 | — | $86 | 0.40% |
| KATHY J JOHNSON3 | 4600 N 5TH ST MCALLEN, TX 78504 | AFLAC | $58 | — | $58 | 0.27% |
| FRANKLIN R DAVIES3 | 201 ROYAL ABERDEEN WAY MCKINNEY, TX 75072 | AFLAC | $52 | — | $52 | 0.24% |
| EDWARD A ORAVETZ3 | 3220 SALISBURY CT FRIENDSWOOD, TX 77546 | AFLAC | $49 | — | $49 | 0.23% |
| ANGELIQUE N LILES3 | 3402 73RD ST UNIT E LUBBOCK, TX 79423 | AFLAC | $46 | — | $46 | 0.21% |
| HENRY J VIGIL3 | 7255 TEXAS RANGERS DR APT 1103 FRISCO, TX 75034 | AFLAC | $45 | — | $45 | 0.21% |
| ROSEMARY HERRERA3 | PO BOX 801646 DALLAS, TX 75380 | AFLAC | $42 | — | $42 | 0.19% |
| MARCO JOE KLIMEK3 | 1501 LYNDON B JOHNSON FWY STE 660 FARMERS BRANCH, TX 75234 | AFLAC | $40 | — | $40 | 0.18% |
| GBC BENEFITS LTD3 | 2409 FOREST PARK BLVD 2ND FLOOR FORT WORTH, TX 76110 | AFLAC | $33 | — | $33 | 0.15% |
| MICHAEL A SIMPSON3 | 1318 MONTGOMERY LANE SOUTHLAKE, TX 76092 | AFLAC | $31 | — | $31 | 0.14% |
| JASON B WEST3 | 1701 BASS RD STE 200 MACON, GA 31210 | AFLAC | $31 | — | $31 | 0.14% |
| SOMMER NORRIS RIEHN3 | 262 E FM 552 ROCKWALL, TX 75087 | AFLAC | $26 | — | $26 | 0.12% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS INC | 421 W 3RD ST SUITE 800 FORT WORTH, TX 76102 | AFLAC | $24 | — | $24 | 0.11% |
| MICHAEL GRASS3 | 21707 KINGSLAND BLVD SUITE 105 KATY, TX 77450 | AFLAC | $19 | — | $19 | 0.09% |
| MELVIN J ROBERSON3 | 4014 COLORADO ST TEXARKANA, TX 75503 | AFLAC | $19 | — | $19 | 0.09% |
| WILLIAM PENNINGTON3 | 300 SQUAW CREEK RD WEATHERFORD, TX 76087 | AFLAC | $18 | — | $18 | 0.08% |
| JOHN M JOHNSON3 | 2150 W NORTHWEST HWY STE 114 GRAPEVINE, TX 76051 | AFLAC | $17 | — | $17 | 0.08% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | 500 W 13TH ST STE 200 FT WORTH, TX 76102 | AFLAC | $13 | — | $13 | 0.06% |
| FRANK D LAFEMINA3 Filed as: FRANK D. LAFEMINA | 165 S GUADALUPE ST STE 120 SAN MARCOS, TX 78666 | AFLAC | $8 | — | $8 | 0.04% |
| LYNN HALE3 | 18 SONORA DR TROPHY CLUB, TX 76262 | AFLAC | $7 | — | $7 | 0.03% |
| T ALLEN HOWDESHELL3 | 1405 SHANNAN CIR APT 103 GRANBURY, TX 76048 | AFLAC | $7 | — | $7 | 0.03% |
| JEFF MUSGROVE3 | 3126 PINEY FOREST DR HOUSTON, TX 77084 | AFLAC | $5 | — | $5 | 0.02% |
| TODD A STULL3 Filed as: TODD A. STULL | 810 S MASON RD STE 102 KATY, TX 77450 | AFLAC | $5 | — | $5 | 0.02% |
| DOUG BACON3 | 4107 APRIL DR ARLINGTON, TX 76016 | AFLAC | $4 | — | $4 | 0.02% |
| ROBERT SHEPARD COOPER3 | PO BOX 609 SANGER, TX 76266 | AFLAC | $4 | — | $4 | 0.02% |
| DAVID SIMPSON3 | 7724 TAMARRON CT NORTH RICHLAND HILLS, TX 76182 | AFLAC | $3 | — | $3 | 0.01% |
| SHELLY WEIGAND3 | 2607 ARMATRADING DR CEDAR PARK, TX 78613 | AFLAC | $2 | — | $2 | 0.01% |
| ZACHARY JOHNSON3 | 4447 N CENTRAL EXPY STE 110 DALLAS, TX 75205 | AFLAC | $2 | — | $2 | 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 | 238 | 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) | 238 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC | 238 | $1.4M |
| Dental(2 contracts, 2 carriers) | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC | 238 | $1.4M |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 195 | $126K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 195 | $98K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 195 | $126K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 238 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.