| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INS AGENCY | PO BOX 908 FORT WORTH, TX 761010908 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $2K | $11K | 9.96% |
| MARK TROTTER3 | 700 ROCKMEAD DR. STE. 213 KINGWOOD, TX 77339 | AFLAC | $478 | — | $478 | 5.75% |
| JOHN C RAUP3 Filed as: JOHN RAUP | 7215 BOSQUE BLVD. STE 106 WACO, TX 76710 | AFLAC | $130 | — | $130 | 1.56% |
| KATHERINE BRIGMAN0 | 1206 GALAXY RD. WACO, TX 76712 | AFLAC | $119 | — | $119 | 1.43% |
| KARLO G JONES3 Filed as: KARLO JONES | 230 DEER VALLEY DR. LORENA, TX 76655 | AFLAC | $63 | — | $63 | 0.76% |
| MICHAEL CARLISLE3 | 511 N HEWITT DR HEWITT, TX 76643 | AFLAC | $41 | — | $41 | 0.49% |
| GARY WILLINGHAM3 | 8116 STATE ROAD 66 ZOLFO SPRINGS, FL 33890 | AFLAC | $20 | — | $20 | 0.24% |
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 | 434 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 434 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHEILD OF TEXAS | 284 | $1.8M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 434 | $107K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 434 | $107K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 434 | $107K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 434 | $116K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 434 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.