| 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 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $54K | $54K | 4.99% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | PO BOX 908 FORT WORTH, TX 76101 | STARMOUNT LIFE INSURANCE COMPANY | $12K | $6K | $18K | 14.01% |
| WENDY LYNN WITT3 | 1157 BOOTH ST HOWELL, MI 48843 | AFLAC | $2K | $0 | $2K | 3.54% |
| MATTHEW MICHALIK3 | 9485 PORTAGE LAKE AVE PINCKNEY, MI 48169 | AFLAC | $2K | $56 | $2K | 3.44% |
| THOMAS A MCKENTY3 | PO BOX 2386 DEARBORN, MI 48123 | AFLAC | $1K | $0 | $1K | 2.28% |
| GINA LYNN NOWAK3 | 701 CONKLIN TECUMSEH, MI 49286 | AFLAC | $994 | $0 | $994 | 1.84% |
| RAND G SIMKINS3 | 1237 SHAWNEE TRL CARROLLTON, TX 75007 | AFLAC | $887 | $0 | $887 | 1.65% |
| LARRY E KESSELRING3 | 30745 JEFFREY CT APT 203 NEW HUDSON, MI 48165 | AFLAC | $661 | $0 | $661 | 1.23% |
| SEAN NEALL3 Filed as: SEAN NEAL | 2952 ASPEN LN BLOOMFIELD HILLS, MI 48302 | AFLAC | $498 | $0 | $498 | 0.92% |
| BARBARA A KROLL3 | 41701 KENILWORTH LN NOVI, MI 48377 | AFLAC | $329 | $60 | $389 | 0.72% |
| RICHARD RUPERT JR3 | 11393 HARBOR CV FENTON, MI 48430 | AFLAC | $355 | $0 | $355 | 0.66% |
| SHAUN M KLUG3 | 9868 HIGH MEADOW DR YPSILANTI, MI 48198 | AFLAC | $312 | $29 | $341 | 0.63% |
| BRIAN LEWIS CANTONI3 | 387 BECKET APT 2 BRIGHTON, MI 48116 | AFLAC | $291 | $0 | $291 | 0.54% |
| JOSHUA B DEVRIES3 | 110 TREALOUT DR STE 202 FENTON, MI 48430 | AFLAC | $242 | $4 | $246 | 0.46% |
| REBECCA JO HATLEY3 | 36321 ST ANDREWS DR LIVONIA, MI 48152 | AFLAC | $186 | $0 | $186 | 0.35% |
| CHERYL L BAUER3 | 11660 CLINTON RD CLINTON, MI 49236 | AFLAC | $182 | $0 | $182 | 0.34% |
| DAVID M COUGHLIN3 | 751 HEBRON PKWY STE 220 LEWISVILLE, TX 75057 | AFLAC | $135 | $0 | $135 | 0.25% |
| KENNETH JAMES BOWERY3 Filed as: KENNETH CHARLES VON HOLTEN | 42060 WOODBRIDGE DR CANTON, MI 48188 | AFLAC | $102 | $10 | $112 | 0.21% |
| STEPHANIE L KESSELRING3 | 3141 ROLLING GREEN CT MILFORD, MI 48380 | AFLAC | $110 | $0 | $110 | 0.20% |
| MICHAEL RAY ROBINS3 | 3812 NANTUCKET DR PLANO, TX 75023 | AFLAC | $105 | $0 | $105 | 0.19% |
| SHANDA R BUTCHER3 | 6481 W BURT RD SAINT CHARLES, MI 48655 | AFLAC | $102 | $0 | $102 | 0.19% |
| DAVID ROGER LUURTSEMA3 | 19538 GRASS LAKE RD MANCHESTER, MI 48158 | AFLAC | $101 | $0 | $101 | 0.19% |
| LARRY E KESSELRING3 | 26200 TOWN CENTER DR NOVI, MI 48375 | AFLAC | $73 | $0 | $73 | 0.14% |
| KIMBERLEY M MCNULTY3 | 22452 LAKECREST ST SAINT CLAIRE SHORES, MI 48081 | AFLAC | $67 | $0 | $67 | 0.12% |
| MARY A THOMAS3 | 2676 E MICHIGAN AVE CLINTON, MI 49236 | AFLAC | $63 | $0 | $63 | 0.12% |
| MAURICIO R PLATT3 | 4004 CRESTWOOD DR CARROLLTON, TX 75007 | AFLAC | $55 | $0 | $55 | 0.10% |
| SEAN MICHAEL PFEIFFER3 | 3405 WATERVIEW TRL ROCKWALL, TX 75087 | AFLAC | $49 | $0 | $49 | 0.09% |
| KENNETH MICHAEL BENNETT3 | 5826 NEW TERRITORY BLVD 730 SUGARLAND, TX 77479 | AFLAC | $44 | $0 | $44 | 0.08% |
| ROBERT PERRY EVANS JR3 | 1031 SADDLEBROOK DR LUCAS, TX 75002 | AFLAC | $35 | $0 | $35 | 0.06% |
| DENNIS STALLBAUM3 | 1985 OAKHAVEN RD TOLEDO, OH 43615 | AFLAC | $27 | $4 | $31 | 0.06% |
| KRISTIN B BUCSI3 | 219 S OAK ST OWOSSO, MI 48867 | AFLAC | $29 | $0 | $29 | 0.05% |
| AG AND ASSOCIATES3 | 6155 GRAEBEAR TRL EAST LANSING, MI 48823 | AFLAC | $29 | $0 | $29 | 0.05% |
| CHERIE E BLOODWORTH3 | 3405 WATERVIEW TRL ROCKWALL, TX 75087 | AFLAC | $22 | $0 | $22 | 0.04% |
| BARBARA ANN MCNAUGHTON3 | 10000 N 31ST AVE STE C107 PHOENIX, AZ 85051 | AFLAC | $21 | $0 | $21 | 0.04% |
| MICHAEL RAY ROBINS3 | 3909 SUNDEW CT PLANO, TX 75093 | AFLAC | $19 | $0 | $19 | 0.04% |
| BARBARA ANN MCNAUGHTON3 | 1308 NATURE WALK BLVD SW HUNTSVILLE, AL 35824 | AFLAC | $18 | $0 | $18 | 0.03% |
| MAURICIO R PLATT3 | 884 UNION STATION PKWY LEWISVILLE, TX 75057 | AFLAC | $15 | $0 | $15 | 0.03% |
| GREG A GOULD3 | 8105 GINGKO WAY DEXTER, MI 48130 | AFLAC | $11 | $0 | $11 | 0.02% |
| BRENT LYNN SCHNEIDER3 | 4220 PIKE CT PLANO, TX 75093 | AFLAC | $11 | $0 | $11 | 0.02% |
| ANTHONY LAMONT CUINGTON3 | 1825 W WALNUT HILL LN STE 120 IRVING, TX 75038 | AFLAC | $10 | $0 | $10 | 0.02% |
| GARY C KLEIN3 | 3211 SAN SEBASTIAN DR CARROLLTON, TX 75006 | AFLAC | $10 | $0 | $10 | 0.02% |
| HARVEY EDWARD MCCREARY JR3 | 273 BELLWOOD DR GARLAND, TX 75040 | AFLAC | $6 | $0 | $6 | 0.01% |
| HEATHER A DOLLIVER3 | 2150 ASSOCIATION DR OKEMOS, MI 48864 | AFLAC | $5 | $0 | $5 | 0.01% |
| JEFFREY C WERNER3 | 18096 TRUDY DR SPRING LAKE, MI 49456 | AFLAC | $5 | $0 | $5 | 0.01% |
| GAY M HUNDLEY3 | 620 TAYLOR TRL MURPHY, TX 75094 | AFLAC | $4 | $0 | $4 | 0.01% |
| JULIE SLAUGHTER3 | 31211 GRANDON ST LIVONIA, MI 48150 | AFLAC | $2 | $0 | $2 | 0.00% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | PO BOX 908 FORT WORTH, TX 76101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $1K | $5K | 19.24% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | PO BOX 908 FORT WORTH, TX 76101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $1K | $4K | 19.24% |
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 | 229 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 230 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 262 | $1.1M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 164 | $130K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 164 | $130K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 110 | $76K |
| Short-term disability | AFLAC | 78 | $54K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 51 | $24K |
| Other(2 contracts, 2 carriers) | AFLAC | 110 | $76K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 262 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.