| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 240 MADISON AVE, 7TH FLOOR MEMPHIS, TN 38103 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $0 | $7K | 13.90% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | PO BOX 908 FORT WORTH, TX 76101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $545 | $0 | $545 | 1.10% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 240 MADISON AVE, 7TH FLOOR MEMPHIS, TN 38103 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $0 | $6K | 13.86% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | PO BOX 908 FORT WORTH, AL 76101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $469 | $0 | $469 | 1.14% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | PO BOX 8299 PASADENA, CA 91109 | VISION SERVICE PLAN | $973 | $0 | $973 | 5.03% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | PO BOX 908 FORT WORTH, TX 76101 | VISION SERVICE PLAN | $302 | $0 | $302 | 1.56% |
| TIMOTHY H REAVES3 | 4397 OLD BAYOU TRAIL DESTIN, FL 32514 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 12.03% |
| REBA WRIGHT3 | 95 AGNES COVE NESBIT, MS 38651 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $72 | $0 | $72 | 0.59% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 240 MADISON AVE, 7TH FLOOR MEMPHIS, TN 38103 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 13.92% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | PO BOX 908 FORT WORTH, TX 76101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $89 | $0 | $89 | 1.07% |
| TIMOTHY H REAVES3 | 4397 OLD BAYOU TRAIL DESTIN, FL 32541 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $998 | $0 | $998 | 13.17% |
| TIMOTHY H REAVES3 | 4397 OLD BAYOU TRAIL DESTIN, FL 32541 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $765 | $0 | $765 | 13.77% |
| TIMOTHY H REAVES3 | 4397 OLD BAYOU TRAIL DESTIN, FL 32541 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $311 | $0 | $311 | 15.00% |
| TIMOTHY H REAVES3 | 4397 OLD BAYOU TRAIL DESTIN, FL 32541 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $288 | $0 | $288 | 26.13% |
| TIMOTHY H REAVES3 | 4397 OLD BAYOU TRAIL DESTIN, FL 32541 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $81 | $0 | $81 | 9.31% |
| TIMOTHY H REAVES3 | 4397 OLD BAYOU TRAIL DESTIN, FL 32541 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $76 | $0 | $76 | 14.93% |
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 | 159 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 160 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF TENNESSEE | 316 | $116K |
| Vision | VISION SERVICE PLAN | 128 | $19K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $58K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $41K |
| Other(10 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 25 | $88K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 316 | — |
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.