| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RODGER LINCOLN WELLS3 | 415 W WALL ST #1818 MIDLAND, TX 79701 | AFLAC | $11K | $319 | $11K | 6.07% |
| MEGAN CHAPMAN3 | 415 W WALL ST #1818 MIDLAND, TX 79701 | AFLAC | $6K | $317 | $6K | 3.32% |
| AMANDA MCCANN POTTER3 | 911 N MIDKIFF RD MIDLAND, TX 79701 | AFLAC | $4K | $160 | $4K | 2.01% |
| BRITTANY NICOLE SCOTT3 | 7412 GRAVENSTEEN ODESSA, TX 79765 | AFLAC | $3K | $115 | $3K | 1.88% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | AFLAC | $740 | $0 | $740 | 0.40% |
| BENNETT G COOK IV3 | 9202 TURNER AVE LUBBOCK, TX 79424 | AFLAC | $500 | $126 | $626 | 0.34% |
| MARGARET Z HAYNIE3 | 50 PUAKOU PL PAIA, HI 96779 | AFLAC | $517 | $0 | $517 | 0.28% |
| STEVEN VALLES3 | 413 E DOEMARD AVE MIDLAND, TX 79705 | AFLAC | $392 | $0 | $392 | 0.21% |
| MATTHEW D ALLISON3 | 1340 E 7TH ST #270 ODESSA, TX 79761 | AFLAC | $353 | $0 | $353 | 0.19% |
| YERALDI GARDEA3 | 4415 NORTHCREST DR #615 MIDLAND, TX 79707 | AFLAC | $84 | $53 | $137 | 0.07% |
| PATRICIA LYNN WIDNER3 | 5115 GREEN TREE BLVD MIDLAND, TX 79707 | AFLAC | $81 | $10 | $91 | 0.05% |
| BLESSED MOSLEY INC3 | 709 RIVERFALLS RD SAN ANGELO, TX 76903 | AFLAC | $86 | $0 | $86 | 0.05% |
| TIODOSO G MONTOYA3 | 4101 MELODY LN ODESSA, TX 79762 | AFLAC | $69 | $0 | $69 | 0.04% |
| RIQUESHYA MARY SCOTT3 | 3604 W LOUISIANA AVE MIDLAND, TX 79703 | AFLAC | $62 | $0 | $62 | 0.03% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | PRINCIPAL LIFE INSURANCE COMPANY | $19K | -$80 | $19K | 11.81% |
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 | 191 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 194 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 415 | $158K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 415 | $158K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 415 | $158K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 415 | $158K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 415 | $158K |
| Other(2 contracts, 2 carriers) | AFLAC | 415 | $344K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 415 | — |
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.