| 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 | $58K | — | $58K | 3.56% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INS AGENCY | 500 W 13TH ST FORT WORTH, TX 76102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $13K | $0 | $13K | 15.00% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INS AGENCY | 500 W 13TH ST FORT WORTH, TX 76102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $4K | $4K | 4.52% |
| BRANDY R BYERS3 | 9766 STONEHEARTH FORNEY, TX 75126 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $49 | $3K | 6.49% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: HEATHER ANN MARSH | 1821 KINSALE DRIVE KELLER, TX 76262 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 4.41% |
| MPART BENEFITS INC3 | 4621 GLEN HEATHER DRIVE FRISCO, TX 75034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $942 | $448 | $1K | 2.66% |
| AMY SNODDY3 | PO BOX 1074 GRANDVIEW, TX 76050 | AFLAC | $583 | — | $583 | 2.74% |
| CHRISTOPHER D SNODDY3 | BOX 1074 GRANDVIEW, TX 76050 | AFLAC | $307 | — | $307 | 1.44% |
| CHRISTOPHER STRIANO3 | 13210 RIATA RIVER LN HUMBLE, TX 77346 | AFLAC | $259 | — | $259 | 1.22% |
| VERNON P HERRERA3 | PO BOX 310 SANTA FE, NM 87504 | AFLAC | $184 | — | $184 | 0.87% |
| DAVID R FISHER3 | 3221 COLLINSWORTH STREET FORT WORTH, TX 76107 | AFLAC | $151 | — | $151 | 0.71% |
| DAVID J ROTH3 | 800 ROCKMEAD DR STE 208 KINGWOOD, TX 77339 | AFLAC | $138 | — | $138 | 0.65% |
| YVETTE D SIMPSON3 | 1318 MONTGOMERY LANE SOUTHLAKE, TX 76092 | AFLAC | $115 | — | $115 | 0.54% |
| INSGROUP INC3 Filed as: INDEPENDENT INS GROUP BENEFITS INC | 12222 MERIT DR STE 1230 DALLAS, TX 75251 | AFLAC | $79 | — | $79 | 0.37% |
| KATHY J JOHNSON3 | 4600 N 5TH ST MCALLEN, TX 78504 | AFLAC | $62 | — | $62 | 0.29% |
| ANGELIQUE N LILES3 | 3402 73RD ST UNIT E LUBBOCK, TX 79423 | AFLAC | $50 | — | $50 | 0.24% |
| EDWARD A ORAVETZ3 | 3220 SALISBURY CT FRIENDSWOOD, TX 77546 | AFLAC | $47 | — | $47 | 0.22% |
| FRANKLIN R DAVIES3 | 201 ROYAL ABERDEEN WAY MCKINNEY, TX 75072 | AFLAC | $45 | — | $45 | 0.21% |
| MARCO JOE KLIMEK3 | 1501 LYNDON B JOHNSON FWY STE 660 FARMERS BRANCH, TX 75234 | AFLAC | $43 | — | $43 | 0.20% |
| ROSEMARY HERRERA3 | PO BOX 801646 DALLAS, TX 75380 | AFLAC | $40 | — | $40 | 0.19% |
| GBC BENEFITS LTD3 | 2409 FOREST PARK BLVD 2ND FLOOR FORT WORTH, TX 76110 | AFLAC | $36 | — | $36 | 0.17% |
| JASON B WEST3 | 1701 BASS RD STE 200 MACON, GA 31210 | AFLAC | $33 | — | $33 | 0.16% |
| MICHAEL A SIMPSON3 | 1318 MONTGOMERY LANE SOUTHLAKE, TX 76092 | AFLAC | $30 | — | $30 | 0.14% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS INC | 421 W 3RD ST SUITE 800 FORT WORTH, TX 76102 | AFLAC | $26 | — | $26 | 0.12% |
| MICHAEL GRASS3 | 21707 KINGSLAND BLVD SUITE 105 KATY, TX 77450 | AFLAC | $21 | — | $21 | 0.10% |
| MELVIN J ROBERSON3 | 4014 COLORADO ST TEXARKANA, TX 75503 | AFLAC | $21 | — | $21 | 0.10% |
| HENRY J VIGIL3 | 7255 TEXAS RANGERS DR APT 1103 FRISCO, TX 75034 | AFLAC | $19 | — | $19 | 0.09% |
| JUANITA PENNINGTON3 | 300 SQUAW CREEK RD WEATHFORD, TX 76087 | AFLAC | $19 | — | $19 | 0.09% |
| JOHN E CUMMINGS3 Filed as: JOHN JOHNSON | 2150 W NORTHWEST HWY STE 114-1144 GRAPEVINE, TX 76051 | AFLAC | $18 | — | $18 | 0.08% |
| SOMMER RIEHN3 | 6333 E MOCKINGBIRD LN STE 147 PMB2003 DALLAS, TX 75214 | AFLAC | $18 | — | $18 | 0.08% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | 500 W 13TH ST STE 200 FT WORTH, TX 76102 | AFLAC | $14 | — | $14 | 0.07% |
| T HOWDESHELL3 | 1405 SHANNAN CIR APT 103 GRANBURY, TX 76048 | AFLAC | $7 | — | $7 | 0.03% |
| LYNN HALE3 | 18 SONORA DR TROPHY CLUB, TX 76262 | 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 STULL | 810 S MASON RD STE 102 KATY, TX 77450 | AFLAC | $5 | — | $5 | 0.02% |
| ROBERT SHEPARD COOPER3 Filed as: ROBERT COOPER | PO BOX 609 SANGER, TX 76266 | AFLAC | $5 | — | $5 | 0.02% |
| DOUG BACON3 | 4107 APRIL DR ARLINGTON, TX 76016 | AFLAC | $4 | — | $4 | 0.02% |
| DAVID SIMPSON3 | 7724 TAMARRON CT NORTH RICHLAND HILLS, TX 76182 | AFLAC | $3 | — | $3 | 0.01% |
| SHELLY WIEGAND3 | 2607 ARMATRADING DR CEDAR PARK, TX 78613 | AFLAC | $2 | — | $2 | 0.01% |
| ZACHARY JOHNSON3 | 444 7 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 | 177 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 178 | 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 | 196 | $1.6M |
| Dental(2 contracts, 2 carriers) | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC | 196 | $1.6M |
| Vision | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC | 196 | $1.6M |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 172 | $139K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 172 | $87K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 172 | $139K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 196 | — |
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.