| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | PO BOX 908 FORT WORTH, TX 76101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $6K | $19K | 6.44% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY | 1828 WALNUT ST #801 KANSAS CITY, MO 64108 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 2.00% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | PO BOX 908 FORT WORTH, TX 76101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $2K | $11K | 12.00% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY | 1828 WALNUT ST #801 KANSAS CITY, MO 64108 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 2.00% |
| CYNTHIA BAHR3 Filed as: CYNTHIA D BAHR | 2008 DIAMOND RIDGE CIR CARROLLTON, TX 75010 | AFLAC | $391 | $0 | $391 | 4.01% |
| DENISE MARTIN3 Filed as: DENISE S MARTIN | 4414 EMERALD DR CARROLLTON, TX 75010 | AFLAC | $391 | $0 | $391 | 4.01% |
| ADAM SHANE HUNDLEY3 | 3257 COTTONTAIL CIR CHINO HILLS, CA 91709 | AFLAC | $234 | $0 | $234 | 2.40% |
| GAY M HUNDLEY3 | 8796 FOREST CREEK LN ANNA, TX 75409 | AFLAC | $119 | $0 | $119 | 1.22% |
| LORI J THOMPSON3 | 1319 W MAIN ST UNIT 6 GUN BARREL CITY, TX 75189 | AFLAC | $51 | $0 | $51 | 0.52% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | PO BOX 908 FORT WORTH, TX 76101 | UNUM INSURANCE COMPANY | $0 | $404 | $404 | 5.01% |
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 | 550 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 552 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 955 | $450K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 955 | $450K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 550 | $390K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 550 | $300K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 550 | $300K |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 550 | $408K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 955 | — |
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.