| 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 | $50K | — | $50K | 4.03% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INS AGENCY | 500 W 13TH ST FORT WORTH, TX 76102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | $0 | $12K | 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 | $5K | $5K | 5.88% |
| BRANDY R BYERS3 | 9766 STONEHEARTH FORNEY, TX 75126 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $8 | $1K | 4.94% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: HEATHER ANN MARSH | 1821 KINSALE DRIVE KELLER, TX 76262 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $635 | — | $635 | 2.59% |
| MPART BENEFITS INC3 | 100 ALBRIGHT LN PROSPER, TX 75078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $353 | $144 | $497 | 2.02% |
| AMY SNODDY3 | PO BOX 1074 GRANDVIEW, TX 76050 | AFLAC | $392 | — | $392 | 2.46% |
| CHRISTOPHER D SNODDY3 | BOX 1074 GRANDVIEW, TX 76050 | AFLAC | $241 | — | $241 | 1.51% |
| CHRISTOPHER STRIANO3 | 13210 RIATA RIVER LN HUMBLE, TX 77346 | AFLAC | $219 | — | $219 | 1.38% |
| VERNON P HERRERA3 | PO BOX 310 SANTA FE, NM 87504 | AFLAC | $139 | — | $139 | 0.87% |
| DAVID R FISHER3 | 3221 COLLINSWORTH STREET FORT WORTH, TX 76107 | AFLAC | $128 | — | $128 | 0.80% |
| DAVID J ROTH3 | 800 ROCKMEAD DR STE 208 KINGWOOD, TX 77339 | AFLAC | $116 | — | $116 | 0.73% |
| YVETTE D SIMPSON3 | 1318 MONTGOMERY LANE SOUTHLAKE, TX 76092 | AFLAC | $61 | — | $61 | 0.38% |
| INSGROUP INC3 Filed as: INDEPENDENT INS GROUP BENEFITS INC | 12222 MERIT DR STE 1230 DALLAS, TX 75251 | AFLAC | $61 | — | $61 | 0.38% |
| KATHY J JOHNSON3 | 4600 N 5TH ST MCALLEN, TX 78504 | AFLAC | $47 | — | $47 | 0.30% |
| EDWARD A ORAVETZ3 | 320 PARADISE RD MURPHY, NC 28906 | AFLAC | $37 | — | $37 | 0.23% |
| FRANKLIN R DAVIES3 | 201 ROYAL ABERDEEN WAY MCKINNEY, TX 75072 | AFLAC | $32 | — | $32 | 0.20% |
| GBC BENEFITS LTD3 | 2409 FOREST PARK BLVD 2ND FLOOR FORT WORTH, TX 76110 | AFLAC | $31 | — | $31 | 0.19% |
| ANGELIQUE N LILES3 | 3402 73RD ST UNIT E LUBBOCK, TX 79423 | AFLAC | $30 | — | $30 | 0.19% |
| ROSEMARY HERRERA3 | PO BOX 801646 DALLAS, TX 75380 | AFLAC | $28 | — | $28 | 0.18% |
| JASON B WEST3 | 1701 BASS RD. STE. 200 MACON, GA 31210 | AFLAC | $28 | — | $28 | 0.18% |
| MARCO JOE KLIMEK3 | 1501 LYNDON B JOHNSON FWY STE 660 FARMERS BRANCH, TX 75234 | AFLAC | $28 | — | $28 | 0.18% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS INC | 421 W 3RD ST SUITE 800 FORT WORTH, TX 76102 | AFLAC | $22 | — | $22 | 0.14% |
| MICHAEL A SIMPSON3 | 1318 MONTGOMERY LANE SOUTHLAKE, TX 76092 | AFLAC | $20 | — | $20 | 0.13% |
| MICHAEL GRASS3 | 21707 KINGSLAND BLVD SUITE 105 KATY, TX 77450 | AFLAC | $18 | — | $18 | 0.11% |
| MELVIN J ROBERSON3 | 4014 COLORADO ST TEXARKANA, TX 75503 | AFLAC | $17 | — | $17 | 0.11% |
| HENRY J VIGIL3 | 7255 TEXAS RANGERS DR APT 1103 FRISCO, TX 75034 | AFLAC | $16 | — | $16 | 0.10% |
| WILLIAM PENNINGTON3 | 300 SQUAW CREEK RD WEATHFORD, TX 76087 | AFLAC | $16 | — | $16 | 0.10% |
| SOMMER RIEHN3 | 6333 E MOCKINGBIRD LN STE 147 PMB2003 DALLAS, TX 75214 | AFLAC | $15 | — | $15 | 0.09% |
| JOHN E CUMMINGS3 Filed as: JOHN JOHNSON | 2150 W NORTHWEST HWY STE 114-1144 GRAPEVINE, TX 76051 | AFLAC | $13 | — | $13 | 0.08% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | 500 W 13TH ST STE 200 FT WORTH, TX 76102 | AFLAC | $12 | — | $12 | 0.08% |
| T HOWDESHELL3 | 1405 SHANNAN CIR APT 103 GRANBURY, TX 76048 | AFLAC | $5 | — | $5 | 0.03% |
| JEFF MUSGROVE3 | 3126 PINEY FOREST DR HOUSTON, TX 77084 | AFLAC | $5 | — | $5 | 0.03% |
| TODD A STULL3 Filed as: TODD STULL | 810 S MASON RD STE 102 KATY, TX 77450 | AFLAC | $5 | — | $5 | 0.03% |
| ROBERT SHEPARD COOPER3 Filed as: ROBERT COOPER | PO BOX 609 SANGER, TX 76266 | AFLAC | $4 | — | $4 | 0.03% |
| DAVID SIMPSON3 | 7724 TAMARRON CT NORTH RICHLAND HILLS, TX 76182 | AFLAC | $3 | — | $3 | 0.02% |
| ZACHARY K JOHNSON3 Filed as: ZACHARY K. JOHNSON | 4447 N. CENTRAL EXPY STE 110 DALLAS, TX 75205 | AFLAC | $1 | — | $1 | 0.01% |
| SHELLY WIEGAND3 | 2607 ARMATRADING DR CEDAR PARK, TX 75205 | 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 | 154 | 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) | 155 | 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 | 194 | $1.2M |
| Dental(2 contracts, 2 carriers) | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC | 194 | $1.2M |
| Vision | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC | 194 | $1.2M |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 175 | $105K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 175 | $80K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 175 | $105K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 194 | — |
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."
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.