| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | STARMOUNT LIFE INSURANCE COMPANY | $12K | $3K | $16K | 13.99% |
| DAILYFEATS INC.3 Filed as: DAILYFEATS INC | 131 TREMONT ST 3RD FL BOSTON, ME 02111 | STARMOUNT LIFE INSURANCE COMPANY | $4K | $0 | $4K | 3.29% |
| WENDY LYNN WITT3 | 1157 BOOTH ST HOWELL, MI 48843 | AFLAC | $2K | $15 | $2K | 3.26% |
| THOMAS A MCKENTY3 | PO BOX 2386 DEARBORN, MI 48123 | AFLAC | $1K | $23 | $1K | 2.17% |
| MATTHEW MICHALIK3 | 9485 PORTAGE LAKE AVE PINCKNEY, MI 48169 | AFLAC | $536 | $20 | $556 | 1.14% |
| RAND G SIMKINS3 | 1237 SHAWNEE TRL CARROLLTON, TX 75007 | AFLAC | $519 | $0 | $519 | 1.06% |
| AMETHYST COX3 | 858 PURDY RD MONTGOMERY, MI 49255 | AFLAC | $499 | $6 | $505 | 1.03% |
| LARRY E KESSELRING3 | 5879 FORESTAL DR WATERFORD, MI 48327 | AFLAC | $471 | $11 | $482 | 0.99% |
| KIMBERLY CASEY DOWNER3 | 4285 MERRITT RD YPSILANTI, MI 48197 | AFLAC | $463 | $0 | $463 | 0.95% |
| RICHARD RUPERT JR3 | 11393 HARBOR CV FENTON, MI 48430 | AFLAC | $299 | $0 | $299 | 0.61% |
| RAND G SIMKINS3 | 1609 THOMPSON DR CARROLLTON, TX 75010 | AFLAC | $224 | $22 | $246 | 0.50% |
| ANDREW J LOEWEN3 Filed as: ANDREW L LOEWEN | 2940 SAINT ANDREWS DR FINDLAY, OH 45840 | AFLAC | $156 | $0 | $156 | 0.32% |
| SHAUN M KLUG3 | 46389 SPINNING WHEEL DR CANTON, MI 48187 | AFLAC | $130 | $16 | $146 | 0.30% |
| SEAN NEALL3 | 2962 ASPEN LN BLOOMFIELD HILLS, MI 48302 | AFLAC | $143 | $0 | $143 | 0.29% |
| JOSHUA B DEVRIES3 | 110 TREALOUT DR STE 202 FENTON, MI 48430 | AFLAC | $127 | $0 | $127 | 0.26% |
| CHERYL L BAUER3 | 11660 CLINTON RD CLINTON, MI 49236 | AFLAC | $112 | $15 | $127 | 0.26% |
| GINA LYNN NOWAK3 | 701 CONKLIN TECUMSEH, MI 49286 | AFLAC | $82 | $41 | $123 | 0.25% |
| DAVID M COUGHLIN3 | 2220 E ROUTE 66 STE 215 GLENDORA, CA 91740 | AFLAC | $113 | $5 | $118 | 0.24% |
| MICHAEL RAY ROBINS3 | 3909 SUNDEW CT PLANO, TX 75093 | AFLAC | $115 | $0 | $115 | 0.24% |
| BARBARA A KROLL3 | 41701 KENILWORTH LN NOVI, MI 48377 | AFLAC | $81 | $0 | $81 | 0.17% |
| SHANDA R BUTCHER3 | 6481 W BURT RD SAINT CHARLES, MI 48655 | AFLAC | $71 | $0 | $71 | 0.15% |
| KIMBERLY M MCNULTY3 | 22452 LAKECREST ST SAINT CLAIR SHORES, MI 48081 | AFLAC | $56 | $0 | $56 | 0.11% |
| MAURICIO R PLATT3 | 4700 LOIRE CT ARGYLE, TX 76226 | AFLAC | $49 | $5 | $54 | 0.11% |
| MARY A THOMAS3 | 2676 E MICHIGAN AVE CLINTON, MI 49236 | AFLAC | $36 | $14 | $50 | 0.10% |
| SEAN MICHAEL PFEIFFER3 | 3405 WATERVIEW TRL ROCKWALL, UT 75087 | AFLAC | $49 | $0 | $49 | 0.10% |
| DAVID ROGER LUURTSEMA3 | 19538 GRASS LAKE RD MANCHESTER, MI 48158 | AFLAC | $48 | $0 | $48 | 0.10% |
| BARBARA ANN MCNAUGHTON3 | 4910 CORPORATE DR NW STE G HUNTSVILLE, AL 35805 | AFLAC | $39 | $0 | $39 | 0.08% |
| STEPHANIE L KESSELRING3 | 3141 ROLLING GREEN CT MILFORD, MI 48380 | AFLAC | $35 | $0 | $35 | 0.07% |
| KENNETH MICHAEL BENNETT3 | 5826 NEW TERRITORY BLVD 730 SUGAR LAND, TX 77479 | AFLAC | $33 | $0 | $33 | 0.07% |
| ROBERT PERRY EVANS JR3 | 14422 COUNTY ROAD X MCLEAN, TX 79057 | AFLAC | $31 | $0 | $31 | 0.06% |
| CHERIE E BLOODWORTH3 | 3405 WATERVIEW TRL ROCKWALL, TX 75087 | AFLAC | $24 | $0 | $24 | 0.05% |
| AG AND ASSOCIATES3 | 6155 GRAEBEAR TRL EAST LANSING, MI 48823 | AFLAC | $18 | $0 | $18 | 0.04% |
| ANDREW J LOEWEN3 Filed as: ANDREW LOEWEN | 2940 SAINT ANDREWS DR FINDLAY, OH 45840 | AFLAC | $14 | $0 | $14 | 0.03% |
| BRENT LYNN SCHNEIDER3 | 4220 PIKE CT PLANO, TX 75093 | AFLAC | $12 | $0 | $12 | 0.02% |
| MAURICIO R PLATT3 | 4004 CRESTWOOD DR CARROLLTON, TX 75007 | AFLAC | $11 | $0 | $11 | 0.02% |
| GARY C KLEIN3 | 3211 SAN SEBASTIAN DR CARROLLTON, TX 75006 | AFLAC | $9 | $0 | $9 | 0.02% |
| GREG A GOULD3 | 8105 GINGKO WAY DEXTER, MI 48130 | AFLAC | $9 | $0 | $9 | 0.02% |
| DENNIS STALLBAUM3 | 1985 OAKHAVEN RD TOLEDO, OH 43615 | AFLAC | $8 | $0 | $8 | 0.02% |
| KENNETH JAMES BOWERY3 Filed as: KENNETH CHARLES VON HOLTEN | 42060 WOODBRIDGE DR CANTON, MI 48188 | AFLAC | $8 | $0 | $8 | 0.02% |
| HARVEY EDWARD MCCREARY JR3 | 273 BELLWOOD DR GARLAND, TX 75040 | AFLAC | $5 | $0 | $5 | 0.01% |
| ANTHONY LAMONT CUINGTON3 | 1825 W WALNUT LN STE 120 IRVING, TX 75038 | AFLAC | $5 | $0 | $5 | 0.01% |
| BARBARA ANN MCNAUGHTON3 | 1308 NATURE WALK BLVD SW HUNTSVILLE, AL 35824 | AFLAC | $3 | $0 | $3 | 0.01% |
| HEALTHER DOLLIVER3 Filed as: HEALTHER A DOLLIVER | 2150 ASSOCIATION DR OKEMOS, MI 48864 | AFLAC | $3 | $0 | $3 | 0.01% |
| JEFFREY C WERNER3 | 6370 PINE HOLLOW DR EAST LANSING, MI 48823 | AFLAC | $3 | $0 | $3 | 0.01% |
| GAY M HUNDLEY3 | 8796 FOREST CREEK LN ANNA, TX 75409 | AFLAC | $2 | $0 | $2 | 0.00% |
| JULIE SLAUGHTER3 | 31211 GRANDON ST LIVONIA, MI 48150 | AFLAC | $1 | $0 | $1 | 0.00% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $481 | $4K | 19.20% |
| DAILYFEATS INC.3 Filed as: DAILYFEATS INC | 131 TREMONT ST 3RD FL BOSTON, MA 02111 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $604 | $0 | $604 | 3.31% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $466 | $3K | 20.37% |
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 | 222 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 223 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 162 | $111K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 162 | $111K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 105 | $65K |
| Short-term disability | AFLAC | 59 | $49K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 50 | $18K |
| Other(2 contracts, 2 carriers) | AFLAC | 105 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 162 | — |
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.