| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC | $49K | $0 | $49K | 8.00% |
| MARY B SALMON3 | 286 DIAMOND RD WHITEWRIGHT, TX 75491 | AFLAC | $8K | $113 | $8K | 10.93% |
| AMANDA LEAH RISNER3 | 8668 JOHN HICKMAN PKWY STE 701 FRISCO, TX 75034 | AFLAC | $5K | $279 | $6K | 8.02% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | AFLAC | $5K | $0 | $5K | 6.69% |
| JANIE VELDE BENEFITS GROUP LLC3 | 1900 WICKERSHAM LN CORINTH, TX 76210 | AFLAC | $2K | $0 | $2K | 2.57% |
| FROST INSURANCE AGENCY INC3 | PO BOX 16509 FORT WORTH, TX 76162 | AFLAC | $1K | $0 | $1K | 1.83% |
| GAYLA DAWN CRUIKSHANK3 | 2227 SLEEPY HOLLOW TRL FRISCO, TX 75033 | AFLAC | $1K | $0 | $1K | 1.69% |
| MICHAEL COLVARD3 | 141 PRAIRIE RIDGE DR ALEDO, TX 76008 | AFLAC | $960 | $154 | $1K | 1.55% |
| RYLEE RISNER3 | 8813 PRIEST MEADOW CT MCKINNEY, TX 75071 | AFLAC | $743 | $0 | $743 | 1.04% |
| SUZANNE LEWIS3 | 101 E PARK BLVD PLANO, TX 75074 | AFLAC | $355 | $113 | $468 | 0.65% |
| PAMELA M DAVIES3 | 531 SANDY LN FLOWER MOUND, TX 75022 | AFLAC | $289 | $0 | $289 | 0.40% |
| YESENIA MALDONADO3 | 402 INDEPENDENCE DR GARLAND, TX 75043 | AFLAC | $269 | $0 | $269 | 0.38% |
| TAMELA GALE WELLBORN3 | 117 OLIVER ST DOUGLASSVILE, TX 75560 | AFLAC | $260 | $0 | $260 | 0.36% |
| ROBERT LLOYD STEPHENS3 | PO BOX 52 WINNSBORO, TX 75494 | AFLAC | $216 | $0 | $216 | 0.30% |
| JOHN H RYDEN3 | 2 MEADOW VISTA CIR TEXARKANA, TX 75503 | AFLAC | $159 | $0 | $159 | 0.22% |
| JAMES D LOVE3 | 405 E MAIN ST HENDERSON, TX 75652 | AFLAC | $157 | $0 | $157 | 0.22% |
| WILLIAM M HURLEY3 | 712 S CHILTON AVE TYLER, TX 75701 | AFLAC | $155 | $0 | $155 | 0.22% |
| MARK J MATSOCK & ASSOCIATES INC3 Filed as: MARK MAZUREK | 2405 MAGGIE LN LONGVIEW, TX 75601 | AFLAC | $124 | $0 | $124 | 0.17% |
| BILLY GOLDEN3 Filed as: BILLY G GOLDEN | 4010 ALPINE ST PARIS, TX 75462 | AFLAC | $107 | $0 | $107 | 0.15% |
| JOHN E LEE3 Filed as: JOHN M LEE | 1412 MAIN ST TEXARKANA, TX 75501 | AFLAC | $107 | $0 | $107 | 0.15% |
| CHRIS MIOT3 | 3106 CRESTRIDGE DR TEXARKANA, TX 75503 | AFLAC | $92 | $0 | $92 | 0.13% |
| CAROLYN J LEE3 | 1412 MAIN ST STE 504 TEXARKANA, TX 75501 | AFLAC | $69 | $0 | $69 | 0.10% |
| ELIZABETH M CHAPMOND3 | 107 LOOKOUT PT HOT SPRINGS, AR 71913 | AFLAC | $68 | $0 | $68 | 0.09% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC. | $8K | $0 | $8K | 14.00% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $408 | $4K | 14.51% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | AFLAC | $964 | $0 | $964 | 6.73% |
| AMANDA LEAH RISNER3 | 8668 JOHN HICKMAN PKWY STE 701 FRISCO, TX 75034 | AFLAC | $907 | $45 | $952 | 6.65% |
| MARY B SALMON3 | 286 DIAMOND RD WHITEWRIGHT, TX 75491 | AFLAC | $466 | $0 | $466 | 3.25% |
| MICHAEL COLVARD3 | 141 PRAIRIE RIDGE DR ALEDO, TX 76008 | AFLAC | $417 | $44 | $461 | 3.22% |
| JANIE VELDE BENEFITS GROUP LLC3 | 1900 WIDERSHAM LN CORINTH, TX 76210 | AFLAC | $376 | $0 | $376 | 2.63% |
| DAVID GREGORY DACUS3 | 8319 COLUMBIA DR TYLER, TX 75703 | AFLAC | $248 | $0 | $248 | 1.73% |
| FROST INSURANCE AGENCY INC3 | PO BOX 16509 FORT WORTH, TX 76162 | AFLAC | $150 | $0 | $150 | 1.05% |
| YESENIA MALDONADO3 | 402 INDEPENDENCE DR GARLAND, TX 75043 | AFLAC | $149 | $0 | $149 | 1.04% |
| ADAM SCOTT3 | 352 ZAMBEZI LN BULLARD, TX 75757 | AFLAC | $97 | $0 | $97 | 0.68% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC. | $846 | $0 | $846 | 7.00% |
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 | 129 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC | 165 | $607K |
| Dental | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC. | 189 | $60K |
| Vision | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC. | 172 | $12K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 56 | $27K |
| Other(3 contracts, 2 carriers) | AFLAC | 82 | $113K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 189 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.