| 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 | METROPOLITAN LIFE INSURANCE COMPANY | $148K | $0 | $148K | 25.54% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC | PO BOX 908 FORT WORTH, TX 76101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $4K | $14K | 6.47% |
| AVANT SPECIALTY BENEFITS LLC Filed as: AVANT SPECIALTY | 1828 WALNUT ST 801 KANSAS CITY, MO 64108 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 1.99% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC | PO BOX 908 FORT WORTH, TX 76101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $2K | $13K | 12.93% |
| AVANT SPECIALTY BENEFITS LLC Filed as: AVANT SPECIALTY | 1828 WALNUT ST 801 KANSAS CITY, MO 64108 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 2.15% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC | PO BOX 908 FORT WORTH, TX 76101 | UNUM INSURANCE COMPANY | $0 | $345 | $345 | 1.71% |
| CYNTHIA BAHR4 | 2008 DIAMOND RIDGE CIR CARROLLTON, TX 75010 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $978 | $0 | $978 | 7.71% |
| DENISE MARTIN4 | 4414 EMERALD DR CARROLLTON, TX 75010 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $978 | $0 | $978 | 7.71% |
| CYNTHIA BAHR Filed as: CYNTHIA D BAHR | 2008 DIAMOND RIDGE CIR CARROLLTON, TX 75010 | AFLAC | $149 | $0 | $149 | 3.07% |
| DENISE MARTIN Filed as: DENISE S MARTIN | 4414 EMERALD DR CARROLLTON, TX 75010 | AFLAC | $149 | $0 | $149 | 3.07% |
| ADAM SHANE HUNDLEY | 3257 COTTONTAIL CIR CHINO HILLS, CA 91709 | AFLAC | $95 | $0 | $95 | 1.96% |
| GAY M HUNDLEY | 8796 FOREST CREEK LN ANNA, TX 75409 | AFLAC | $49 | $0 | $49 | 1.01% |
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 | 606 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 610 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,130 | $581K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,130 | $581K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 606 | $321K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 606 | $223K |
| Other(5 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 606 | $358K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,130 | — |
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.