| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | 11700 KATY FWY STE 1100 HOUSTON, TX 770791252 | UNITED HEALTH CARE INSURANCE COMPANY | $42K | — | $42K | 5.04% |
| ACRISURE LLC3 | 310 LOUISIANA ST LITTLE ROCK, AR 722012708 | UNITED HEALTH CARE INSURANCE COMPANY | $1K | — | $1K | 0.14% |
| THE HATCHER AGENCY3 Filed as: HATCHER AGENCY THE | PO BOX 3505 LITTLE ROCK, AR 722033505 | UNITED HEALTH CARE INSURANCE COMPANY | -$327 | — | -$327 | -0.04% |
| NOLAN R SMITH3 Filed as: NOLAN SMITH | 1019 BROWN DR WAKE VILLAGE, TX 75501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 5.98% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC. | 500 WEST 13TH STREET FORT WORTH, TX 76102 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $709 | — | $709 | 3.93% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | 500 W 13TH ST FT WORTH, TX 76102 | USABLE LIFE | $2K | — | $2K | 13.66% |
| KAYLA PROPPS3 | 130 HEMPSTEAD 353 NASHVILLE, AR 71852 | USABLE LIFE | $666 | — | $666 | 5.00% |
| DAINES INSURANCE & FIN SERVICES LLP3 Filed as: DAINES INSURANCE & FINANCIAL | 5806 SUMMERFIELD DRIVE TEXARKANA, TX 75503 | USABLE LIFE | $178 | — | $178 | 1.34% |
| JERRY DUNCAN3 | 516 EAST MILLSAP ROAD STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $133 | $2 | $135 | 1.01% |
| HIGGINBOTHAM INS AGENCY INC3 | 500 WEST 13TH STREET FORT WORTH, TX 76102 | HARTFORD LIFE AND ACCIDENT | $598 | — | $598 | 5.01% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | 500 W 13TH ST FT WORTH, TX 76102 | USABLE LIFE | $2K | — | $2K | 15.00% |
| KAYLA PROPPS3 | 130 HEMPSTEAD 353 NASHVILLE, AR 71852 | USABLE LIFE | $172 | — | $172 | 1.57% |
| JERRY DUNCAN3 | 516 EAST MILLSAP RAOD STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $34 | — | $34 | 0.31% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | 500 W 13TH ST FT WORTH, TX 76102 | USABLE LIFE | $119 | — | $119 | 14.15% |
| KAYLA PROPPS3 | 130 HEMPSTEAD 353 NASHVILLE, AR 71852 | USABLE LIFE | $42 | — | $42 | 4.99% |
| JERRY DUNCAN3 | 516 EAST MILLSAP ROAD STE 103 FAYETTEVILLE, AR 72703 | USABLE LIFE | $8 | — | $8 | 0.95% |
| DAINES INSURANCE & FIN SERVICES LLP3 Filed as: DAINES INSURANCE & FINANCIAL | 5806 SUMMERFIELD DR TEXARKANA, TX 75503 | USABLE LIFE | $7 | — | $7 | 0.83% |
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 | 155 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTH CARE INSURANCE COMPANY | 114 | $839K |
| Life insurance(3 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 155 | $42K |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 0 | $18K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 19 | $12K |
| Other(3 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 155 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 155 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
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.