| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC. | 500 WEST 13TH STREET FORT WORTH, TX 76102 | BLUECROSS BLUESHIELD OF TEXAS | $53K | $2K | $55K | 2.83% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | 500 WEST 13TH STREET FORT WORTH, TX 76102 | STARMOUNT LIFE INSURANCE COMPANY | $13K | $3K | $15K | 12.01% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | 500 WEST 13TH STREET FORT WORTH, TX 76102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $1K | $12K | 17.00% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | 500 WEST 13TH STREET FORT WORTH, TX 76102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $496 | $4K | 14.72% |
| MARK LITTLE3 Filed as: MARK STEVEN STEWART | PO BOX 697 FRISCO, TX 75034 | AFLAC | $2K | — | $2K | 11.17% |
| ERICA ROSE ASHLEY3 | 2173 MASERATI DRIVE FRISCO, TX 75033 | AFLAC | $458 | — | $458 | 2.91% |
| CHRISTOPHER D SNODDY3 | PO BOX 1074 GRANDVIEW, TX 76050 | AFLAC | $344 | — | $344 | 2.18% |
| AMANDA LEAH RISNER3 | 6849 ELM STREET FRISCO, TX 75034 | AFLAC | $304 | — | $304 | 1.93% |
| BEV CAP MANAGEMENT LLC3 | 120 WEST VIRGINIA STREET SUITE 200 MCKINNEY, TX 75069 | AFLAC | $249 | — | $249 | 1.58% |
| AMY SNODDY3 | PO BOX 1074 GRANDVIEW, TX 76050 | AFLAC | $121 | — | $121 | 0.77% |
| LINDA A LECIEJEWSKI3 | 1296 SEYMOUR DRIVE FRISCO, TX 75033 | AFLAC | $112 | — | $112 | 0.71% |
| AMY SNODDY3 Filed as: AMY M SNODDY | PO BOX 1074 GRANDVIEW, TX 76050 | AFLAC | $99 | — | $99 | 0.63% |
| TRAVIS ZSCHECK3 | 6071 VILLAGE BEND DRIVE APARTMENT 407 DALLAS, TX 75206 | AFLAC | $81 | — | $81 | 0.51% |
| WESTERMAYER AND ASSOCIATES LLC3 | 5431 MONTICELLO AVENUE DALLAS, TX 75206 | AFLAC | $60 | — | $60 | 0.38% |
| STEPHEN MCGEE3 | 2079 AVONDOWN ROAD FORNEY, TX 75126 | AFLAC | $49 | — | $49 | 0.31% |
| KATHY J JOHNSON3 | 4600 NORTH 5TH STREET MCALLEN, TX 78504 | AFLAC | $29 | — | $29 | 0.18% |
| RICHARD WESTERMAYER3 | 5431 MONTICELLO AVENUE DALLAS, TX 75206 | AFLAC | $22 | — | $22 | 0.14% |
| MARCO JOE KLIMEK3 | 5729 LEBANON ROAD SUITE 144590 FRISCO, TX 75034 | AFLAC | $11 | — | $11 | 0.07% |
| JOHN M JOHNSON3 | 2150 WEST NORTHWEST HIGHWAY SUITE 114 GRAPEVINE, TX 76051 | AFLAC | $8 | — | $8 | 0.05% |
| ANGELIQUE N LILES3 | 9101 HURON AVENUE LUBBOCK, TX 79424 | AFLAC | $5 | — | $5 | 0.03% |
| SHELLY WIEGAND3 | 26007 ARMATRADING DRIVE CEDAR PARK, TX 78613 | AFLAC | $2 | — | $2 | 0.01% |
| ZACHARY EUGENE VICKERS3 Filed as: ZACHARY K JOHNSON | 4447 NORTH CENTRAL EXPRESSWAY SUITE 110 DALLAS, TX 75205 | AFLAC | $2 | — | $2 | 0.01% |
| T ALLEN HOWDESHELL3 | 1405 SHANNON CIRCLE APARTMENT 103 GRANBURY, TX 76048 | AFLAC | $2 | — | $2 | 0.01% |
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 | 19 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 27 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 73 | $1.9M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 62 | $128K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 62 | $128K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 66 | $103K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 66 | $73K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 66 | $73K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 66 | $119K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 73 | — |
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."
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.