| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JENIFER LYNN SORLEY & OTHER AGENTS3 | 2719 SOUTH COUNTY ROAD 1121 MIDLAND, TX 79706 | AFLAC | $19K | $1K | $21K | 6.28% |
| RODGER LINCOLN WELLS3 | 415 WEST WALL STREET, SUITE 1818 MIDLAND, TX 79701 | AFLAC | $19K | $1K | $21K | 6.26% |
| MEGAN CHAPMAN3 | 415 WEST WALL STREET, SUITE 1818 MIDLAND, TX 79701 | AFLAC | $18K | $1K | $19K | 5.67% |
| BRITTANY NICOLE SCOTT3 | 7412 GRAVENSTEEN ODESSA, TX 79765 | AFLAC | $12K | $703 | $13K | 3.91% |
| PATRICIA LYNN WIDNER3 | 6100 RIDGE VIEW STREET MIDLAND, TX 79705 | AFLAC | $6K | $402 | $6K | 1.91% |
| EVELYN VILLALOBOS3 | 415 WEST WALL STREET, SUITE 1818 MIDLAND, TX 79701 | AFLAC | $5K | $564 | $6K | 1.82% |
| AMANDA MCCANN POTTER3 | PO BOX 591 COMFORT, TX 78013 | AFLAC | $5K | $236 | $5K | 1.44% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC. | 11700 KATY FREEWAY, SUITE 1100 HOUSTON, TX 77079 | DEARBORN LIFE INSURANCE COMPANY | $24K | $0 | $24K | 10.61% |
| JEFFREY L. HILDRETH3 | 9 GREENWAY PLAZA, SUITE 1200 HOUSTON, TX 77046 | DEARBORN LIFE INSURANCE COMPANY | $8K | $0 | $8K | 3.55% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC. | 11700 KATY FREEWAY, SUITE 1100 HOUSTON, AR 77079 | BLUE CROSS BLUE SHIELD TEXAS | $12K | $0 | $12K | 8.32% |
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE, LLC | 111 CENTER STREET LITTLE ROCK, AR 72201 | BLUE CROSS BLUE SHIELD TEXAS | $2K | $0 | $2K | 1.65% |
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 | 237 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 237 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUE CROSS BLUE SHIELD TEXAS | 557 | $139K |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 406 | $228K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 406 | $228K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 406 | $228K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 406 | $228K |
| Other(2 contracts, 2 carriers) | AFLAC | 406 | $557K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 557 | — |
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.