| 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 | SUN LIFE ASSURANCE COMPANY OF CANADA | $10K | $594 | $11K | 10.59% |
| RICHARD RUPERT JR3 | 11393 HARBOR CV FENTON, MI 48430 | AFLAC | $5K | $0 | $5K | 8.15% |
| MATTHEW MICHALIK3 | 224 OAK BARK DR HOWELL, MI 48843 | AFLAC | $3K | $21 | $3K | 5.10% |
| RAND G SIMKINS3 | 1237 SHAWNEE TRL CARROLLTON, TX 75007 | AFLAC | $3K | $208 | $3K | 4.79% |
| SHANDA R BUTCHER3 | 6481 W BURT RD SAINT CHARLES, MI 48655 | AFLAC | $1K | $55 | $1K | 2.33% |
| LARRY E KESSELRING3 | 9880 E GRAND RIVER AVE STE 106 BRIGHTON, MI 48116 | AFLAC | $1K | $44 | $1K | 2.06% |
| KRISTIN B BUCSI3 | 219 S OAK ST OWOSSO, MI 48867 | AFLAC | $863 | $128 | $991 | 1.71% |
| SHAUN M KLUG3 | 9868 HIGH MEADOW DR YPSILANTI, MI 48198 | AFLAC | $669 | $33 | $702 | 1.21% |
| KIMBERLY M MCNULTY3 | 22452 LAKECREST ST SAINT CLAIR SHORES, MI 48081 | AFLAC | $548 | $0 | $548 | 0.94% |
| STEPHANIE L KESSELRING3 | 3141 ROLLING GREEN CT MILFORD, MI 48380 | AFLAC | $466 | $0 | $466 | 0.80% |
| DAVID M COUGHLIN3 | 751 HEBRON PKWY STE 220 LEWISVILLE, TX 75057 | AFLAC | $383 | $42 | $425 | 0.73% |
| MICHAEL RAY ROBINS3 | 3812 NANTUCKET DR PLANO, TX 75023 | AFLAC | $387 | $2 | $389 | 0.67% |
| KENNETH MICHAEL BENNETT3 | 5826 NEW TERRITORY BLVD #730 SUGARLAND, TX 77479 | AFLAC | $202 | $40 | $242 | 0.42% |
| AG AND ASSOCIATES3 | 2150 ASSOCIATION DR STE 150 OKEMOS, MI 48864 | AFLAC | $183 | $44 | $227 | 0.39% |
| JOAN M GAGNIER DALLAPE3 | 1130 RIAL LAKE DR HOWELL, MI 48843 | AFLAC | $195 | $0 | $195 | 0.34% |
| BRIAN WHITE3 Filed as: BRIAN VARNER | 8464 PINEVIEW LAKE DR LINDEN, MI 48451 | AFLAC | $180 | $0 | $180 | 0.31% |
| ROBERT PERRY EVANS JR3 | 1031 SADDLEBROOK DR LUCAS, TX 75002 | AFLAC | $123 | $40 | $163 | 0.28% |
| SEAN MICHAEL PFEIFFER3 | 3405 WATERVIEW TRL ROCKWALL, TX 75087 | AFLAC | $141 | $0 | $141 | 0.24% |
| SEAN NEALL3 | 2962 ASPEN LN BLOOMFIELD HILLS, MI 48302 | AFLAC | $64 | $0 | $64 | 0.11% |
| ANTHONY LAMONT CUINGTON3 | 1825 W WALNUT HILL LN STE 120 IRVING, TX 75038 | AFLAC | $55 | $0 | $55 | 0.09% |
| CHERIE E BLOODWORTH3 | 3405 WATERVIEW TRL ROCKWALL, TX 75087 | AFLAC | $54 | $0 | $54 | 0.09% |
| BARBARA ANN MCNAUGHTON3 | 29622 N 21ST DR PHOENIX, AZ 85085 | AFLAC | $45 | $0 | $45 | 0.08% |
| GREG A GOULD3 | 8105 GINGKO WAY DEXTER, MI 48130 | AFLAC | $34 | $11 | $45 | 0.08% |
| FRANK T COONEY3 | 38993 REO DR LIVONIA, MI 48154 | AFLAC | $41 | $0 | $41 | 0.07% |
| AG AND ASSOCIATES3 | 2150 ASSOCIATION DR STE 150 OKEMOS, MI 48864 | AFLAC | $28 | $0 | $28 | 0.05% |
| GAY M HUNDLEY3 | 1416 GABLES CT PLANO, TX 75075 | AFLAC | $28 | $0 | $28 | 0.05% |
| BRENT LYNN SCHNEIDER3 | 3801 FALL WHEAT DR PLANO, TX 75075 | AFLAC | $27 | $0 | $27 | 0.05% |
| BRUCE E GRIFFIN3 | 3803 MAHONIA WAY STE 1916 ARLINGTON, TX 76014 | AFLAC | $26 | $0 | $26 | 0.04% |
| ANJALI MEHTA BOYER3 | 28431 OAKMONTE CIR E NEW HUDSON, MI 48165 | AFLAC | $25 | $0 | $25 | 0.04% |
| JOSHUA B DEVRIES3 | 110 TREALOUT DR STE 202 FENTON, MI 48430 | AFLAC | $21 | $0 | $21 | 0.04% |
| DAVID C NAGENGAST3 | 3487 S LINDEN RD STE Z FLINT, MI 48507 | AFLAC | $15 | $0 | $15 | 0.03% |
| PALOMAR INSURANCE CORPORATION3 Filed as: PALOMAR INS CORP | 4525 EXECUTIVE PARK DR STE 202 MONTGOMERY, AL 36116 | AFLAC | $13 | $0 | $13 | 0.02% |
| BETTY JEAN GAMACHE3 | 136 CHARLESTON CT N MONTGOMERY, AL 36117 | AFLAC | $11 | $0 | $11 | 0.02% |
| C LEONARD SKIPPER3 | PO BOX 11128 MONTGOMERY, AL 36111 | AFLAC | $9 | $0 | $9 | 0.02% |
| WENDY LYNN WITT3 Filed as: WENDY WITT | 1157 BOOTH ST HOWELL, MI 48843 | AFLAC | $8 | $0 | $8 | 0.01% |
| JUDY L EDWARDS3 | PO BOX 66 BURLESON, TX 76097 | AFLAC | $7 | $0 | $7 | 0.01% |
| SAIC INC3 | 4245 MILGEN RD COLUMBUS, GA 31907 | AFLAC | $6 | $0 | $6 | 0.01% |
| KEITH BELICH3 | 2740 CENTRAL PKWY MONTGOMERY, AL 36106 | AFLAC | $6 | $0 | $6 | 0.01% |
| ALICE B STONE3 | 716 FINCH CT CROWLEY, TX 76036 | AFLAC | $4 | $0 | $4 | 0.01% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN SHELBY AMOS | 4245 MILGEN RD COLUMBUS, GA 31907 | AFLAC | $3 | $0 | $3 | 0.01% |
| MICHAEL A SIMPSON3 | 1318 MONTGOMERY LN SOUTHLAKE, TX 76092 | AFLAC | $1 | $0 | $1 | 0.00% |
| PALOMAR INSURANCE CORPORATION3 Filed as: PALOMAR INS CORP | 4525 EXECUTIVE PARK DR STE 202 MONTGOMERY, AL 36116 | AFLAC | $1 | $0 | $1 | 0.00% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | PO BOX 908 FORT WORTH, TX 76101 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $780 | $2K | 12.88% |
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 | 151 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 166 | $120K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 163 | $19K |
| Life insurance | AFLAC | 98 | $58K |
| Short-term disability | AFLAC | 98 | $58K |
| Other | AFLAC | 98 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 166 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.