| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | PRINCIPAL LIFE INSURANCE COMPANY | $11K | $0 | $11K | 3.07% |
| ROGERS BENEFIT GROUP INC3 | 5110 N 40TH ST #234 PHOENIX, AZ 850182151 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 0.37% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $5K | $18K | 7.86% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY | 1828 WALNUT ST #801 KANSAS CITY, MO 64108 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 2.00% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $1K | $7K | 12.00% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY | 1828 WALNUT ST #801 KANSAS CITY, MO 64108 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 2.00% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | $0 | $5K | 9.16% |
| CYNTHIA BAHR3 Filed as: CYNTHIA D BAHR | 2008 DIAMOND RIDGE CIR CARROLLTON, TX 75010 | AFLAC | $552 | $54 | $606 | 3.55% |
| DENISE MARTIN3 Filed as: DENISE S MARTIN | 4414 EMERALD DR CARROLLTON, TX 75010 | AFLAC | $552 | $54 | $606 | 3.55% |
| ADAM SHANE HUNDLEY3 | 3257 COTTONTAIL CIR CHINO HILLS, CA 91709 | AFLAC | $432 | $0 | $432 | 2.53% |
| GAY M HUNDLEY3 | 8796 FOREST CREEK LN ANNA, TX 75409 | AFLAC | $217 | $0 | $217 | 1.27% |
| MARK HOERMANN3 | 3315 ELLINGTON DR SACHSE, TX 75048 | AFLAC | $121 | $22 | $143 | 0.84% |
| KRISTY ANN MOOREHEAD3 | 300 WELCH DR ROYSE CITY, TX 75189 | AFLAC | $62 | $22 | $84 | 0.49% |
| ROBIN LEE AVGERENOS3 | 2033 GAYLA CREEK DR LITTLE ELM, TX 75068 | AFLAC | $9 | $0 | $9 | 0.05% |
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 | 403 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 404 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 883 | $363K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 277 | $52K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 401 | $288K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 401 | $229K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 401 | $229K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 401 | $305K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 883 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.