| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | PRINCIPAL LIFE INSURANCE COMPANY | $11K | $0 | $11K | 2.83% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $5K | $17K | 6.92% |
| 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 | 1.84% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $1K | $8K | 10.92% |
| 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 | 1.82% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | $2K | $7K | 12.91% |
| CYNTHIA BAHR3 Filed as: CYNTHIA D BAHR | 2008 DIAMOND RIDGE CIR CARROLLTON, TX 75010 | AFLAC | $483 | $0 | $483 | 3.70% |
| DENISE MARTIN3 Filed as: DENISE S MARTIN | 4414 EMERAL DR CARROLLTON, TX 75010 | AFLAC | $483 | $0 | $483 | 3.70% |
| ADAM SHANE HUNDLEY3 | 3257 COTTONTAIL CIR CHINO HILLS, CA 91709 | AFLAC | $305 | $0 | $305 | 2.34% |
| GAY M HUNDLEY3 | 8796 FOREST CREEK LN ANNA, TX 75409 | AFLAC | $156 | $0 | $156 | 1.19% |
| MARK HOERMANN3 | 3315 ELLINGTON DR SACHSE, TX 75048 | AFLAC | $108 | $0 | $108 | 0.83% |
| KRISTY ANN MOOREHEAD3 | 300 WELCH DR ROYSE CITY, TX 75189 | AFLAC | $99 | $0 | $99 | 0.76% |
| LORI J THOMPSON3 | 1600 PRESIDENT GEORGE BUSH HWY 6101 ROWLETT, TX 75088 | AFLAC | $29 | $0 | $29 | 0.22% |
| ROBIN LEE AVGERENOS3 | 2033 GAYLA CREEK DR LITTLE ELM, TX 75068 | AFLAC | $9 | $0 | $9 | 0.07% |
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 | 456 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 457 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 959 | $394K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 301 | $53K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 456 | $317K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 456 | $248K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 456 | $248K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 456 | $330K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 959 | — |
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.