| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | HEALTH CARE SERVICE CORPORATION | $85K | $0 | $85K | 4.14% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | METROPOLITAN LIFE INSURANCE COMPANY | $48K | $2K | $50K | 13.23% |
| RONALD T DAMRAU3 | 4704 CIRCLE OAK CV AUSTIN, TX 78749 | AFLAC | $136 | $0 | $136 | 1.89% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | AFLAC | $100 | $0 | $100 | 1.39% |
| ROBERT K WHITT3 | 21013 NIMITZ AVE LAGO VISTA, TX 78645 | AFLAC | $96 | $1 | $97 | 1.34% |
| JEROME JEFFREY PESEK3 | 12566 MESA VERDE DR AUSTIN, TX 78737 | AFLAC | $69 | $3 | $72 | 1.00% |
| ERIC NOTHNAGEL3 | 1821 WESTINGHOUSE RD STE 1190 GEORGETOWN, TX 78626 | AFLAC | $70 | $0 | $70 | 0.97% |
| ADRIANE N NEWMAN3 | 1206 VERDE TRAILS DR HOUSTON, TX 77073 | AFLAC | $62 | $0 | $62 | 0.86% |
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 | 243 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 244 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICE CORPORATION | 370 | $2.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 597 | $379K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 597 | $379K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 597 | $379K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 597 | $379K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 597 | $379K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 597 | $386K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 597 | — |
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.