| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | PO BOX 908 FORT WORTH, TX 76101 | HEALTH CARE SERVICE CORPORATION | $45K | $3K | $48K | 3.85% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | PO BOX 908 FORT WORTH, TX 76101 | DEARBORN LIFE INSURANCE COMPANY | $11K | $6K | $17K | 22.68% |
| VIRGINIA L MURPHY3 | 2160 STREET RD LIBERTY, MS 39645 | AFLAC | $995 | $0 | $995 | 3.78% |
| AMANDA LEAH RISNER3 | 6849 ELM ST FRISCO, TX 75034 | AFLAC | $440 | $0 | $440 | 1.67% |
| MICHAEL B MURPHY3 | 3616 SNAPDRAGON LN MCKINNEY, TX 75070 | AFLAC | $349 | $0 | $349 | 1.33% |
| EMIY ANNE HEITMAN3 | 3511 SERENE DR MIDLOTHIAN, TX 76065 | AFLAC | $221 | $0 | $221 | 0.84% |
| CYNTHIA M WARREN3 | 4033 HOCKADAY DR DALLAS, TX 75229 | AFLAC | $168 | $0 | $168 | 0.64% |
| BARBARA ANN MCNAUGHTON3 | 4910 CORPORATE DR NW STE G HUNTSVILLE, AL 35805 | AFLAC | $158 | $0 | $158 | 0.60% |
| SUZANNE LEWIS3 | 101 E PARK BLVD PLANO, TX 75074 | AFLAC | $135 | $0 | $135 | 0.51% |
| MICHALE COLVARD3 | 141 PRAIRIE RIDGE DR ALEDO, TX 76008 | AFLAC | $105 | $0 | $105 | 0.40% |
| DENNIS M COPLAND3 | 6817 K AVE STE 104 PLANO, TX 75074 | AFLAC | $99 | $0 | $99 | 0.38% |
| ROBERT PERRY EVANS JR3 | 14422 COUNTY RD X MCLEAN, TX 79057 | AFLAC | $83 | $0 | $83 | 0.32% |
| VIRGINIA L MURPHY3 | 2160 STREET RD LIBERTY, MS 39645 | AFLAC | $808 | $0 | $808 | 7.41% |
| DENNIS M COPLAND3 | 6817 K AVE STE 104 MCKINNEY, TX 75074 | AFLAC | $112 | $0 | $112 | 1.03% |
| MICHAEL B MURPHY3 | 3616 SNAPDRAGON LN MCKINNEY, TX 75070 | AFLAC | $83 | $0 | $83 | 0.76% |
| JOHN DEE MAULDIN3 | 4116 KENTSHIRE LN DALLAS, TX 75287 | AFLAC | $72 | $0 | $72 | 0.66% |
| ROBERT PERRY EVANS JR3 | 14422 COUNTY ROAD X MCLEAN, TX 79057 | AFLAC | $52 | $0 | $52 | 0.48% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | PO BOX 908 FORT WORTH, TX 76101 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $509 | $0 | $509 | 6.90% |
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 | 129 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICE CORPORATION | 128 | $1.3M |
| Dental | HEALTH CARE SERVICE CORPORATION | 128 | $1.3M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 111 | $7K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 127 | $75K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 127 | $75K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 127 | $75K |
| Other(3 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 127 | $112K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 128 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.