| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | PRINCIPAL LIFE INSURANCE COMPANY | $23K | $2K | $25K | 12.62% |
| RODGER LINCOLN WELLS3 | 415 W WALL ST STE 1818 MIDLAND, TX 79701 | AFLAC | $14K | $360 | $15K | 7.56% |
| MEGAN CHAPMAN3 | 415 W WALL STE STE 1818 MIDLAND, TX 79701 | AFLAC | $7K | $304 | $7K | 3.82% |
| BRITTANY NICOLE SCOTT3 | 7412 GRAVENSTEEN ODESSA, TX 79765 | AFLAC | $4K | $23 | $4K | 2.14% |
| BENNETT G COOK IV3 | 9202 TURNER AVE LUBBOCK, TX 79724 | AFLAC | $3K | $0 | $3K | 1.39% |
| MATTHEW D ALLISON3 | 1340 E 7TH ST STE 270 ODESSA, TX 79761 | AFLAC | $3K | $0 | $3K | 1.30% |
| AMANDA MCCANN POTTER3 | PO BOX 591 COMFORT, TX 78013 | AFLAC | $2K | $142 | $2K | 1.27% |
| MARGARET Z HAYNIE3 | 50 PUAKOU PL PAIA, HI 96779 | AFLAC | $473 | $0 | $473 | 0.25% |
| MATTHEW ALLEN KILLOUGH3 | 15419 MONARCH LN EDMOND, OK 73013 | AFLAC | $421 | $0 | $421 | 0.22% |
| CASSANDRA JEAN RHOUDES3 | 504 N MIDLAND ST GOLDSMITH, TX 79741 | AFLAC | $399 | $0 | $399 | 0.21% |
| STEVEN VALLES3 | 413 E DORMARD AVE MIDLAND, TX 79705 | AFLAC | $192 | $0 | $192 | 0.10% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | AFLAC | $180 | $0 | $180 | 0.09% |
| BLESSED MOSLEY INC3 | 709 RIVERFALLS RD SAN ANGELO, TX 76903 | AFLAC | $101 | $0 | $101 | 0.05% |
| TIODOSO G MONTOYA3 | 4101 MELODY LN ODESSA, TX 79762 | AFLAC | $69 | $0 | $69 | 0.04% |
| DONNA CDEBACA STEWART3 | 3501 FRENCH PARK DR STE E EDMOND, OK 73034 | AFLAC | $68 | $0 | $68 | 0.04% |
| BRIAN K EVERETT3 | 2160 SANDPIPER DR BLANCHARD, OK 73010 | AFLAC | $52 | $0 | $52 | 0.03% |
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 | 224 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 224 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 454 | $199K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 454 | $199K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 454 | $199K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 454 | $199K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 454 | $199K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 454 | $391K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 454 | — |
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.