| 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 | $38K | $0 | $38K | 5.50% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC | $8K | $0 | $8K | 7.00% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | AFLAC | $3K | $0 | $3K | 5.05% |
| AMANDA LEAH RISNER3 | 6849 ELM ST FRISCO, TX 75034 | AFLAC | $3K | $376 | $3K | 4.65% |
| GAYLA DAWN CRUIKSHANK3 | 2227 SLEEPY HOLLOW TRL FRISCO, TX 75033 | AFLAC | $2K | $156 | $2K | 3.64% |
| JANIE VELDE BENEFITS GROUP LLC3 | 1900 WICKERSHAM LN CORINTH, TX 76210 | AFLAC | $1K | $111 | $2K | 2.34% |
| FROST INSURANCE AGENCY INC3 | PO BOX 16509 FORT WORTH, TX 76162 | AFLAC | $892 | $0 | $892 | 1.30% |
| RYLEE RISNER3 | 8813 PRIEST MEADOW CT MCKINNEY, TX 75071 | AFLAC | $432 | $94 | $526 | 0.77% |
| TAMELA GALE WELLBORN3 | 117 OLIVER ST DOUGLASSVILLE, TX 75560 | AFLAC | $258 | $0 | $258 | 0.38% |
| MARY B SALMON3 | 286 DIAMOND RD WHITEWRIGHT, TX 75491 | AFLAC | $204 | $30 | $234 | 0.34% |
| SUZANNE LEWIS3 | 101 E PARK BLVD PLANO, TX 75074 | AFLAC | $213 | $0 | $213 | 0.31% |
| PAMELA M DAVIES3 | 531 SANDY LN FLOWER MOUND, TX 75011 | AFLAC | $184 | $22 | $206 | 0.30% |
| ROBERT LLOYD STEPHENS3 | PO BOX 52 WINNSBORO, TX 75494 | AFLAC | $178 | $0 | $178 | 0.26% |
| MICHAEL COLVARD3 | 141 PRAIRIE RIDGE DR ALEDO, TX 76008 | AFLAC | $87 | $77 | $164 | 0.24% |
| JAMES D LOVE3 | 405 E MAIN ST HENDERSON, TX 75652 | AFLAC | $142 | $0 | $142 | 0.21% |
| WILLIAM M HURLEY3 | 712 S CHILTON AVE TYLER, TX 75701 | AFLAC | $133 | $0 | $133 | 0.19% |
| MARK J MATSOCK & ASSOCIATES INC3 Filed as: MARK MAZUREK | 2405 MAGGIE LN LONGVIEW, TX 75601 | AFLAC | $124 | $0 | $124 | 0.18% |
| JOHN E LEE3 Filed as: JOHN M LEE | 1413 MAIN ST TEXARKANA, TX 75501 | AFLAC | $112 | $0 | $112 | 0.16% |
| YESENIA MALDONADO3 | 402 INDEPENDENCE DR GARLAND, TX 75043 | AFLAC | $80 | $18 | $98 | 0.14% |
| JOHN H RYDEN3 | 2 MEADOW VISTA CIR TEXARKANA, TX 75503 | AFLAC | $94 | $0 | $94 | 0.14% |
| BILLY GOLDEN3 | 4010 ALPINE ST PARIS, TX 75462 | AFLAC | $85 | $0 | $85 | 0.12% |
| ELIZABETH M CHAPMOND3 Filed as: ELIZABETH M CHAPMONDA | 107 L9OOKOUT PT HOT SPRINGS, AR 71913 | AFLAC | $68 | $0 | $68 | 0.10% |
| ZANE AUSTIN ZIMMERMAN3 | 302 AZALEA TRL WHITEHOUSE, TX 75791 | AFLAC | $64 | $0 | $64 | 0.09% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC | $5K | $0 | $5K | 6.99% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $710 | $5K | 15.05% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC | $1K | $0 | $1K | 7.00% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | AFLAC | $771 | $0 | $771 | 5.27% |
| GAYLA DAWN CRUIKSHANK3 | 2227 SLEEPY HOLLOW TRL FRISCO, TX 75033 | AFLAC | $713 | $0 | $713 | 4.87% |
| AMANDA RISNER3 Filed as: AMANDA LEE RISNER | 6849 ELM ST FRISCO, TX 75034 | AFLAC | $554 | $92 | $646 | 4.41% |
| JANIE VELDE BENEFITS GROUP LLC3 | 1900 WICKERSHAM LN CORINTH, TX 76210 | AFLAC | $413 | $30 | $443 | 3.03% |
| DONALD GREGORY DACUS3 | 8319 COLUMBIA DR TYLER, TX 75703 | AFLAC | $199 | $0 | $199 | 1.36% |
| MARY B SALMON3 | 268 DIAMOND RD WHITEWRIGHT, TX 75491 | AFLAC | $69 | $63 | $132 | 0.90% |
| ADAM SCOTT3 | 352 ZAMBEZI LN BULLARD, TX 75757 | AFLAC | $73 | $0 | $73 | 0.50% |
| FROST INSURANCE AGENCY INC3 | PO BOX 16059 FORT WORTH, TX 76162 | AFLAC | $60 | $0 | $60 | 0.41% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC | $778 | $0 | $778 | 10.00% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $303 | $51 | $354 | 15.20% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC | $197 | $0 | $197 | 9.99% |
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 | 136 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC | 154 | $805K |
| Dental(2 contracts) | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC | 181 | $76K |
| Vision(2 contracts) | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC | 164 | $17K |
| Life insurance(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 59 | $37K |
| Other(4 contracts, 2 carriers) | AFLAC | 82 | $120K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 181 | — |
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.