| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | PO BOX 908 FORT WORTH, TX 76101 | HEALTH CARE SERVICE CORPORATION | $35K | $2K | $37K | 5.26% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | PO BOX 908 FORT WORTH, TX 76101 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $10K | $2K | $12K | 14.55% |
| EDWARD AHLRICH3 | PO BOX 748 LAKE JACKSON, TX 77566 | PHILADELPHIA AMERICAN LIFE INSURANCE COMPANY | $942 | $0 | $942 | 1.93% |
| GUSTAVO DANIEL GEVARA3 | 25306 SANDY TRACE LANE KATY, TX 77494 | AFLAC | $3K | $103 | $3K | 9.69% |
| MICHAEL ANDRE JOHNS3 | 9806 BUFFUM ST HOUSTON, TX 77051 | AFLAC | $520 | $37 | $557 | 1.91% |
| MARYANN MCBRAYER3 | 12811 MIMOSA SPRING DR TOMBALL, TX 77377 | AFLAC | $211 | $17 | $228 | 0.78% |
| RAND G SIMKINS3 | 1237 SHAWNEE TRL CARROLLTON, TX 75007 | AFLAC | $214 | $7 | $221 | 0.76% |
| JOHN LESTER PRIESTER JR3 | 1406 OAKWOOD DR ALLEN, TX 75013 | AFLAC | $207 | $0 | $207 | 0.71% |
| MICHAEL SHANE KIRKLAND3 | 327 S WALNUT ST FLORENCE, AL 35630 | AFLAC | $154 | $0 | $154 | 0.53% |
| JEFFREY C WEST3 | 17403 WIDMORE PL SPRING, TX 77379 | AFLAC | $134 | $17 | $151 | 0.52% |
| EDWARD SCARBROUGH3 Filed as: EDWARD L SCARBROUGH | 3007 RIVER FOREST DR RICHMOND, TX 77406 | AFLAC | $104 | $0 | $104 | 0.36% |
| MARK LITTLE3 | 5101 LOMA ALTA DR FRISCO, TX 75034 | AFLAC | $80 | $0 | $80 | 0.27% |
| BARBARA ANN MCNAUGHTON3 | 29622 N 21ST DR PHOENIX, AZ 85085 | AFLAC | $49 | $7 | $56 | 0.19% |
| JAMES P HUTCHISON JR3 | 3015 DURBAN DR HOUSTON, TX 77043 | AFLAC | $54 | $0 | $54 | 0.19% |
| JARED E DAY3 | 19710 CHARA CT CYPRESS, TX 77433 | AFLAC | $47 | $0 | $47 | 0.16% |
| TRUDY MARCELLINO3 | 14718 PLANTATION OAK DR HOUSTON, TX 77068 | AFLAC | $44 | $0 | $44 | 0.15% |
| GREGORY F STENZEL3 | 2302 KNOX WAY MELISSA, TX 75454 | AFLAC | $40 | $0 | $40 | 0.14% |
| ROBERT PERRY EVANS JR3 | 1031 SADDLEBROOK DR LUCAS, TX 75002 | AFLAC | $29 | $7 | $36 | 0.12% |
| MICHAEL A CUTAIA3 | 1225 NORTH LOOP W STE 214 HOUSTON, TX 77008 | AFLAC | $31 | $0 | $31 | 0.11% |
| KENNETH MICHAEL BENNETT3 | 5826 NEW TERRITORY BLVD 730 SUGAR LAND, TX 77479 | AFLAC | $22 | $0 | $22 | 0.08% |
| MICHAEL GRASS3 | 21707 KINGSLAND BLVD STE 105 KATY, TX 77450 | AFLAC | $16 | $0 | $16 | 0.05% |
| CRAIG S DAVIES3 | 109 TIMBER CREEK CT ARGYLE, TX 76226 | AFLAC | $9 | $0 | $9 | 0.03% |
| JOHN M JOHNSON3 | 2150 W NORTHWEST HWY STE 114 GRAPEVINE, TX 76051 | AFLAC | $7 | $0 | $7 | 0.02% |
| SHARYL K BATHE3 | 120 S 8TH ST MATTOON, IL 61938 | AFLAC | $5 | $0 | $5 | 0.02% |
| MICHAEL B MURPHY3 | 3616 SNAPDRAGON LN MCKINNEY, TX 75070 | AFLAC | $2 | $0 | $2 | 0.01% |
| SCOTT WEBB3 | 2155 W PINNACLE PEAK RD STE 205 PHOENIX, AZ 85027 | AFLAC | $2 | $0 | $2 | 0.01% |
| WILLIAM H LENBERG3 | 10920 FAROLA DR NW ALBUQUERQUE, NM 87114 | AFLAC | $2 | $0 | $2 | 0.01% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | PO BOX 908 FORT WORTH, TX 76101 | EYE MED | $1K | $0 | $1K | 13.76% |
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 | 111 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 111 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICE CORPORATION | 145 | $703K |
| Dental | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 111 | $83K |
| Vision | EYE MED | 127 | $10K |
| Life insurance(3 contracts, 3 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 111 | $161K |
| Short-term disability | AFLAC | 39 | $29K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 111 | $83K |
| Other(3 contracts, 3 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 111 | $161K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 145 | — |
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.
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.