| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SWANTNER & GORDON INS AGENCY LLP3 Filed as: SWANTNER & GORDON INS AGENCY | PO BOX 870 CORPUS CHRISTI, TX 78403 | HEALTH CARE SERVICE CORPORATION | $51K | $0 | $51K | 3.85% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | PO BOX 908 FORT WORTH, TX 76101 | HARTFORD LIFE AND ACCIDENT | $20K | $0 | $20K | 15.00% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | PO BOX 908 FORT WORTH, TX 76101 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8K | $0 | $8K | 8.38% |
| CHARLES P MCCRANN3 Filed as: CHARLES P. MCCRANN | PO BOX 6971 CORPUS CHRISTI, TX 78411 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8K | $0 | $8K | 8.12% |
| MICHAEL C WALKER3 Filed as: W MICHAEL HURLEY | 208 WATERMARK VICTORIA, TX 77904 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 1.88% |
| ANDREW M GARCIA3 | 906 CAMEL PARKWAY CORPUS CHRISTI, TX 78411 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 1.66% |
| ANTONIA DAVILA3 Filed as: ANTONIA M DAVILA | 4900 N 23RD MCALLEN, TX 78504 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 1.34% |
| BILLY KEITH3 Filed as: BILLY D KEITH | 4900 N 23RD MCALLEN, TX 78501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $319 | $0 | $319 | 0.33% |
| STEVEN T HURLEY3 Filed as: STEVEN HURLEY | 130 CLYDESDALE VICTORIA, TX 77904 | CONTINENTAL AMERICAN INSURANCE COMPANY | $258 | $0 | $258 | 0.27% |
| JASON L WEEKS3 | 201 EASTSIDE SQ STE 10 HUNTSVILLE, AL 35801 | CONTINENTAL AMERICAN INSURANCE COMPANY | $79 | $0 | $79 | 0.08% |
| MARY L WILLIAMS3 | 1102 STEVENS ST BRIDGEPORT, TX 76426 | CONTINENTAL AMERICAN INSURANCE COMPANY | $50 | $0 | $50 | 0.05% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | PO BOX 908 FORT WORTH, TX 76101 | HUMANA DENTAL INSURANCE COMPANY | $3K | $4K | $8K | 8.51% |
| CHARLES MCCRANN3 | PO BOX 6971 CORPUS CHRISTI, TX 78466 | AFLAC | $1K | $211 | $2K | 5.86% |
| CHARLES P MCCRANN3 Filed as: CHARLES F ESSING | 4838 HOLLY RD SUITE 204 CORPUS CHRISTI, TX 78411 | AFLAC | $2K | $0 | $2K | 5.58% |
| WILLIAM M HURLEY3 | 609 SW 8TH ST STE 600 BENTONVILLE, AR 72712 | AFLAC | $260 | $31 | $291 | 1.06% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | PO BOX 908 FORT WORTH, TX 76101 | AFLAC | $262 | $0 | $262 | 0.95% |
| BARBARA BAROS3 | 5301 GOSHEN CT CORPUS CHRISTI, TX 78413 | AFLAC | $251 | $0 | $251 | 0.91% |
| ANTONIA DAVILA3 | 4900 N 23RD ST MCALLEN, TX 78504 | AFLAC | $118 | $35 | $153 | 0.56% |
| WILLIAM M HURLEY3 | 208 WATERMARK VICTORIA, TX 77904 | AFLAC | $106 | $5 | $111 | 0.40% |
| AARON WADE BENBOW3 | 3934 AMADAS DR CORPUS CHRISTI, TX 78414 | AFLAC | $69 | $0 | $69 | 0.25% |
| DEBORAH LEGROS3 | 6769 WOOD IRON DR CORPUS CHRISTI, TX 78413 | AFLAC | $64 | $0 | $64 | 0.23% |
| FRANK D LAFEMINA3 | 165 S GUADALUPE STE 120 SAN MARCOS, TX 78666 | AFLAC | $58 | $0 | $58 | 0.21% |
| CLARENCE E (GENE) DANNELLY3 Filed as: CLARENCE E DANNELLY | 20110 AMBERVINE CIRCLE KATY, TX 77450 | AFLAC | $45 | $0 | $45 | 0.16% |
| DAVID R ZUNIGA3 | 6131 36TH ST LUBBOCK, TX 79407 | AFLAC | $28 | $0 | $28 | 0.10% |
| DEBORAH A WHITTINGTON3 | PO BOX 8132 CORPUS CHRISTI, TX 78468 | AFLAC | $5 | $0 | $5 | 0.02% |
| ALEXANDER A ARTMAN3 | 15321 YARDARM CT CORPUS CHRISTI, TX 78418 | AFLAC | $2 | $0 | $2 | 0.01% |
| CHRISTOPHER R MONTELONGO3 Filed as: CHRISTOPHER T MONTELONGO | 5205 GLENMONT DR CORPUS CHRISTI, TX 78415 | AFLAC | $1 | $0 | $1 | 0.00% |
| JULE JEAN KELLOGG3 | 5330 NORTHWEST TRAIL CORPUS CHRISTI, TX 78410 | AFLAC | $1 | $0 | $1 | 0.00% |
| JONATHAN GUZMAN3 | 901 S NAVIGATION BLVD CORPUS CHRISTI, TX 78405 | AFLAC | $1 | $0 | $1 | 0.00% |
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 | 170 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICE CORPORATION | 347 | $1.3M |
| Dental | HUMANA DENTAL INSURANCE COMPANY | 160 | $92K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 170 | $135K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 170 | $135K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 170 | $135K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 209 | $258K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 347 | — |
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.