| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | PO BOX 908 STE 3008 FORT WORTH, TX 76101 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $51K | $51K | 5.19% |
| JONATHAN L PENNINGTON3 | 1154 RAVENNA CV COLLIERVILLE, TN 38017 | AFLAC | $4K | $0 | $4K | 6.85% |
| ADAM JAY BLAIN3 | 7921 ELM LEAF DR GERMANTOWN, TN 38138 | AFLAC | $2K | $0 | $2K | 3.83% |
| WILLIAM T GANT3 | 117 HILLSONG LN BRIGHTON, TN 38011 | AFLAC | $1K | $0 | $1K | 2.33% |
| AMANDA SARGENT3 | 3685 COLLEGE BLF OLIVE BRANCH, MS 38654 | AFLAC | $1K | $0 | $1K | 1.90% |
| CORTNEY LEIGH SANDRIDGE3 | 5061 EAGLES NEST LN ARLINGTON, TN 37002 | AFLAC | $481 | $0 | $481 | 0.81% |
| TIMOTHY J REED3 Filed as: TIMOTHY S INGRAM | 1731 MOUNT ZION RD JACKSONVILLE, IL 62650 | AFLAC | $330 | $0 | $330 | 0.56% |
| EDWIN W BARNETT3 | 7905 PLAYERS FOREST DR STE 1 MEMPHIS, TN 38119 | AFLAC | $110 | $0 | $110 | 0.19% |
| LATRICE JACKSON3 | 905 ABBEY GROVE LN CORDOVA, TN 38018 | AFLAC | $83 | $0 | $83 | 0.14% |
| DANIEL G ALLEN3 Filed as: DANIEL ALLEN | 1470 BEAVER CREEK BRIGHTON, TN 38011 | AFLAC | $74 | $0 | $74 | 0.12% |
| KENNETH BRADLEY ELDRED3 | 611 BELMONT ESTATES DR HERNANDO, MS 38632 | AFLAC | $60 | $0 | $60 | 0.10% |
| BELINDA JEAN LEGGETT3 | 93 GEORGE ELLIS DR MUNFORD, TN 38058 | AFLAC | $53 | $0 | $53 | 0.09% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | PO BOX 908 STE 3008 FORT WORTH, TX 76101 | DELTA DENTAL OF TENNESSEE | $5K | $0 | $5K | 10.01% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | PO BOX 908 STE 3008 FORT WORTH, TX 76101 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $0 | $4K | 15.00% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | PO BOX 908 FORT WORTH, TX 76101 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 13.25% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | PO BOX 908 STE 3008 FORT WORTH, TX 76101 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 20.00% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | PO BOX 908 STE 3008 FORT WORTH, TX 76101 | VISION SERVICE PLAN | $772 | $0 | $772 | 7.10% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | PO BOX 908 STE 3008 FORT WORTH, TX 76101 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $978 | $0 | $978 | 15.00% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | PO BOX 908 STE 3008 FORT WORTH, TX 76101 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $439 | $0 | $439 | 11.00% |
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 | 96 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 97 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 156 | $985K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF TENNESSEE | 136 | $58K |
| Vision | VISION SERVICE PLAN | 71 | $11K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 67 | $11K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 46 | $27K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 97 | $23K |
| Other(4 contracts, 2 carriers) | AFLAC | 101 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 156 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.