| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | PRINCIPAL LIFE INSURANCE COMPANY | $26K | $13K | $40K | 19.85% |
| RAND G SIMKINS3 | 1609 THOMPSON DR CARROLLTON, TX 75010 | AFLAC | $2K | $489 | $3K | 6.31% |
| CARLES ANTONELL GRIERA3 | 3703 SISTINE MEWS DALLAS, TX 75236 | AFLAC | $471 | $93 | $564 | 1.23% |
| RICHARD WESTERMAYER3 | 5431 MONTICELLO AVE DALLAS, TX 75206 | AFLAC | $334 | $93 | $427 | 0.93% |
| MARIA CHAVEZ VALLES3 | 3632 WELLINGTON CROSS RD ANN ARBOR, MI 48105 | AFLAC | $248 | $16 | $264 | 0.58% |
| MATTHEW MICHALIK3 | 5205 VAN WINKLE ST BRIGHTON, MI 48116 | AFLAC | $218 | $0 | $218 | 0.48% |
| WENDY LYNN WITT3 | 1157 BOOTH ST HOWELL, MI 48843 | AFLAC | $199 | $12 | $211 | 0.46% |
| RICHARD RUPERT JR3 | 11393 HARBOR CV FENTON, MI 48430 | AFLAC | $150 | $0 | $150 | 0.33% |
| CARLES ANTONELL GRIERA3 | 4926 MISSION AVE #2311 DALLAS, TX 75206 | AFLAC | $136 | $0 | $136 | 0.30% |
| MICHAEL RAY ROBINS3 | 3943 RANCH ESTATES DR PLANO, TX 75074 | AFLAC | $115 | $0 | $115 | 0.25% |
| LARRY E KESSELRING3 | 5879 FORESTAL DR WATERFORD, MI 48327 | AFLAC | $102 | $0 | $102 | 0.22% |
| JOSHUA B DEVRIES3 | 110 TREALOUT DR #202 FENTON, MI 48430 | AFLAC | $100 | $0 | $100 | 0.22% |
| DAVID M COUGHLIN3 | 2229 WHITE MIST DR LAS VEGAS, NV 89134 | AFLAC | $90 | $0 | $90 | 0.20% |
| ANDREW J LOEWEN3 | 2940 SAINT ANDREWS DR FINDLAY, OH 45840 | AFLAC | $65 | $9 | $74 | 0.16% |
| SHAUN M KLUG3 | 46389 SPINNING WHEEL DR CANTON, MI 48187 | AFLAC | $68 | $0 | $68 | 0.15% |
| BARBARA A KROLL3 | 41701 KENILWORTH LANE NOVI, MI 78377 | AFLAC | $60 | $0 | $60 | 0.13% |
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 | PRINCIPAL LIFE INSURANCE COMPANY | 254 | $200K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 254 | $200K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 254 | $200K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 254 | $200K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 254 | $200K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 254 | $245K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 254 | — |
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.