| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | PRINCIPAL LIFE INSURANCE COMPANY | $24K | $0 | $24K | 11.57% |
| RAND G SIMKINS3 | 1609 THOMPSON DR CARROLLTON, TX 75010 | AFLAC | $9K | $0 | $9K | 15.38% |
| CARLES ANTONELL GRIERA3 | 4926 MISSION AVE UNIT 2311 DALLAS, TX 75206 | AFLAC | $2K | $0 | $2K | 2.95% |
| RICHARD WESTERMAYER3 | 433 LAS COLINAS BLVD E IRVING, TX 75039 | AFLAC | $619 | $0 | $619 | 1.10% |
| LENNER GRIFFIN3 | 8055 THORNHILL DR YPSILANTI, MI 48197 | AFLAC | $504 | $0 | $504 | 0.90% |
| RICHARD WESTERMAYER3 | 5431 MONTICELLO AVE DALLAS, TX 75206 | AFLAC | $473 | $0 | $473 | 0.84% |
| WENDY LYNN WITT3 | 1157 BOOTH ST HOWELL, MI 48843 | AFLAC | $366 | $12 | $378 | 0.67% |
| KIMBERLY CASEY DOWNER3 | 4285 MERRITT RD YPSILANTI, MI 48197 | AFLAC | $277 | $7 | $284 | 0.51% |
| MATTHEW MICHALIK3 | 5044 HOLLYWOOD CT BRIGHTON, MI 48116 | AFLAC | $237 | $0 | $237 | 0.42% |
| RICHARD RUPERT JR3 | 11393 HARBOR CV FENTON, MI 48430 | AFLAC | $233 | $0 | $233 | 0.41% |
| THOMAS A MCKENTY3 | PO BOX 2386 DEARBORN, MI 48123 | AFLAC | $179 | $12 | $191 | 0.34% |
| MARIA CHAVEZ VALLES3 | 403 VILLAGE GREEN BLVD #101 ANN ARBOR, MI 48105 | AFLAC | $168 | $0 | $168 | 0.30% |
| LARRY E KESSELRING3 | 5879 FORESTAL DR WATERFORD, MI 48327 | AFLAC | $157 | $0 | $157 | 0.28% |
| DAVID M COUGHLIN3 | 2229 WHITE MIST DR LAS VEGAS, NV 89134 | AFLAC | $154 | $0 | $154 | 0.27% |
| ANDREW J LOEWEN3 | 2940 SAINT ANDREWS DR FINDLAY, OH 45840 | AFLAC | $120 | $6 | $126 | 0.22% |
| JOSHUA B DEVRIES3 | 110 TREALOUT DR STE 202 FENTON, MI 48430 | AFLAC | $101 | $0 | $101 | 0.18% |
| MICHAEL RAY ROBINS3 | 3909 SUNDEW CT PLANO, TX 75093 | AFLAC | $100 | $0 | $100 | 0.18% |
| SHAUN M KLUG3 | 46389 SPINNING WHEEL DR CANTON, MI 48187 | AFLAC | $71 | $0 | $71 | 0.13% |
| SHANDA R BUTCHER3 | 6481 W BURT RD SAINT CHARLES, MI 48655 | AFLAC | $58 | $0 | $58 | 0.10% |
| BARBARA A KROLL3 | 41701 KENILWORTH LN NOVI, MI 48377 | AFLAC | $50 | $0 | $50 | 0.09% |
| SEAN NEALL3 | 2962 ASPEN LN BLOOMFIELD HILLS, MI 48302 | AFLAC | $50 | $0 | $50 | 0.09% |
| KIMBERLEY M MCNULTY3 | 22452 LAKECREST ST SAINT CLAIR SHORES, MI 48081 | AFLAC | $44 | $0 | $44 | 0.08% |
| SEAN MICHAEL PFEIFFER3 | 3405 WATERVIEW TRL ROCKWALL, TX 75087 | AFLAC | $33 | $0 | $33 | 0.06% |
| BARBARA ANN MCNAUGHTON3 | 4910 CORPORATE DR NW STE G HUNTSVILLE, AL 35805 | AFLAC | $31 | $0 | $31 | 0.06% |
| KENNETH MICHAEL BENNETT3 | 5826 NEW TERRITORY BLVD 730 SUGAR LAND, TX 77479 | AFLAC | $30 | $0 | $30 | 0.05% |
| ROBERT PERRY EVANS JR3 | 14422 COUNTY RD X MCLEAN, TX 79057 | AFLAC | $26 | $0 | $26 | 0.05% |
| CHERYL L BAUER3 | 11660 CLINTON RD CLINTON, MI 49236 | AFLAC | $23 | $0 | $23 | 0.04% |
| MAURICIO R PLATT3 | 4700 LOIRE CT ARGYLE, TX 76226 | AFLAC | $22 | $0 | $22 | 0.04% |
| STEPHANIE L KESSELRING3 | 3141 ROLLING GREEN CT MILFORD, MI 48380 | AFLAC | $19 | $0 | $19 | 0.03% |
| CHERIE E BLOODWORTH3 | 3405 WATERVIEW TRL ROCKWALL, TX 75087 | AFLAC | $16 | $0 | $16 | 0.03% |
| AG AND ASSOCIATES3 | PO BOX 339 BELLAIRE, MI 49615 | AFLAC | $12 | $0 | $12 | 0.02% |
| STEPHANIE L KESSELRING3 | 5434 OAKHURST DR SEMINOLE, FL 33772 | AFLAC | $11 | $0 | $11 | 0.02% |
| MARY A THOMAS3 | 2676 E MICHIGAN AVE CLINTON, MI 49236 | AFLAC | $10 | $0 | $10 | 0.02% |
| GARY C KLEIN3 Filed as: GARY C KLIEN | 3211 SAN SEBASTIAN DR CARROLLTON, TX 75006 | AFLAC | $8 | $0 | $8 | 0.01% |
| BRENT LYNN SCHNEIDER3 | 4220 PIKE CT PLANO, TX 75093 | AFLAC | $8 | $0 | $8 | 0.01% |
| HAROLD RODNEY MCCASLIN3 | 2300 MCDERMOTT ROAD PLANO, TX 75025 | AFLAC | $7 | $0 | $7 | 0.01% |
| STEVEN HUNTER3 Filed as: STEVEN CRAIG HUNTER | 1317 MAE DR CARROLLTON, TX 75007 | AFLAC | $6 | $0 | $6 | 0.01% |
| ANTHONY LAMONT CUINGTON3 | 1825 W WALNUT HILL LN STE 120 IRVING, TX 75038 | AFLAC | $5 | $0 | $5 | 0.01% |
| HARVEY EDWARD MCCREARY JR3 | 273 BELLWOOD DR GARLAND, TX 75040 | AFLAC | $4 | $0 | $4 | 0.01% |
| ROBERT SHEPARD COOPER3 | PO BOX 609 SANGER, TX 76266 | AFLAC | $3 | $0 | $3 | 0.01% |
| GAY M HUNDLEY3 | 8796 FOREST CREEK LN ANNA, TX 75409 | AFLAC | $2 | $0 | $2 | 0.00% |
| HEATHER A DOLLIVER3 | 2150 ASSOCIATION DR OKEMOS, MI 48864 | AFLAC | $2 | $0 | $2 | 0.00% |
| JEFFREY C WERNER3 | 6370 PINE HOLLOW DR EAST LANSING, MI 48823 | AFLAC | $2 | $0 | $2 | 0.00% |
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 | 174 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 269 | $206K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 269 | $206K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 269 | $262K |
| Short-term disability | AFLAC | 54 | $56K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 269 | $206K |
| Other | AFLAC | 54 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 269 | — |
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.