| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | PO BOX 908 FORT WORTH, TX 76101 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | $949 | $12K | 13.56% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | PO BOX 908 FORT WORTH, TX 76101 | AFLAC | $3K | $0 | $3K | 14.75% |
| SCOTT G GOFF3 | 12311 COLBY CIRCLE TYLER, TX 75707 | AFLAC | $2K | $0 | $2K | 7.56% |
| ADAM SCOTT3 | 352 ZAMBEZI LANE BULLARD, TX 75757 | AFLAC | $1K | $0 | $1K | 4.57% |
| RACHAEL BAGWELL MEANS3 Filed as: RACHAEL CARESSE GANNON | 8946 S BROADWAY AVE, STE. 192 TYLER, TX 75703 | AFLAC | $904 | $75 | $979 | 4.25% |
| SCARLETT DILL3 | 151 MARINA DR BULLARD, TX 75757 | AFLAC | $904 | $0 | $904 | 3.92% |
| TODD ALLEN HENDRICKS3 | 2260 COUNTY ROAD 1630 QUITMAN, TX 75783 | AFLAC | $383 | $10 | $393 | 1.71% |
| DONALD GREGORY DACUS3 | 8319 COLUMBIA DR TYLER, TX 75703 | AFLAC | $307 | $0 | $307 | 1.33% |
| ARDELIA M GOFF3 | 12311 COLBY CIRCLE TYLER, TX 75707 | AFLAC | $57 | $0 | $57 | 0.25% |
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 | 88 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 92 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 85 | $86K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 85 | $86K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 85 | $86K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 85 | $86K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 85 | $86K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 85 | $109K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 85 | — |
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.