| 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 | $62K | $0 | $62K | 3.88% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | PO BOX 908 FORT WORTH, TX 76101 | HARTFORD LIFE AND ACCIDENT | $27K | $1K | $29K | 15.66% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | PO BOX 908 FORT WORTH, TX 76101 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10K | $0 | $10K | 8.99% |
| CHARLES P MCCRANN3 | PO BOX 6971 CORPUS CHRISTI, TX 78411 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8K | $0 | $8K | 7.07% |
| STEVEN T HURLEY3 Filed as: STEVEN HURLEY | 130 CLYDESDALE VICTORIA, TX 77904 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 1.02% |
| MICHAEL C WALKER3 Filed as: W MICHAEL HURLEY | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $943 | $0 | $943 | 0.83% |
| ANDREW M GARCIA3 | 906 CARMEL PARKWAY CORPUS CHRISTI, TX 78411 | CONTINENTAL AMERICAN INSURANCE COMPANY | $926 | $0 | $926 | 0.82% |
| JASON L WEEKS3 | 201 EASTSIDE SQ STE 10 HUNTSVILLE, AL 35801 | CONTINENTAL AMERICAN INSURANCE COMPANY | $680 | $0 | $680 | 0.60% |
| ANTONIA DAVILA3 Filed as: ANTONIA M DAVILA | 4900 N 23RD MCALLEN, TX 78504 | CONTINENTAL AMERICAN INSURANCE COMPANY | $533 | $0 | $533 | 0.47% |
| MARY L WILLIAMS3 | 1102 STEVENS ST BRIDGEPORT, TX 76426 | CONTINENTAL AMERICAN INSURANCE COMPANY | $428 | $0 | $428 | 0.38% |
| BILLY KEITH3 Filed as: BILLY D KEITH | 4900 N 23RD MCALLEN, TX 78501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $331 | $0 | $331 | 0.29% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | PO BOX 908 FORT WORTH, TX 76101 | HUMANA INSURANCE COMPANY | $4K | $3K | $7K | 6.26% |
| CHARLES P MCCRANN3 Filed as: CHARLES F ESSING | 311 WILSHIRE PL CORPUS CHRISTI, TX 78411 | AFLAC | $1K | $0 | $1K | 5.64% |
| CHARLES MCCRANN3 | PO BOX 6971 CORPUS CHRISTI, TX 78466 | AFLAC | $1K | $0 | $1K | 4.01% |
| WILLIAM M HURLEY3 | 7125 CHILTON TYLER, TX 75701 | AFLAC | $284 | $0 | $284 | 1.10% |
| BARBARA BAROS3 | 5301 GOSHEN CT CORPUS CHRISTI, TX 78413 | AFLAC | $249 | $0 | $249 | 0.97% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | PO BOX 908 FORT WORTH, TX 76101 | AFLAC | $112 | $0 | $112 | 0.44% |
| AARON WADE BENBOW3 | 3934 AMADAS DR CORPUS CHRISTI, TX 78414 | AFLAC | $75 | $0 | $75 | 0.29% |
| ANTONIA DAVILA3 | 4900 N 23RD ST MCALLEN, TX 78504 | AFLAC | $65 | $0 | $65 | 0.25% |
| FRANK D LAFEMINA3 | 165 S GUADALUPE ST STE 120 SAN MARCOS, TX 78666 | AFLAC | $53 | $0 | $53 | 0.21% |
| CLARENCE E (GENE) DANNELLY3 Filed as: CLARENCE E DANNELLY | 20110 AMBERVINE CIRCLE KATY, TX 77450 | AFLAC | $48 | $0 | $48 | 0.19% |
| DEBORAH LEGROS3 | 6769 WOOD IRON DR CORPUS CHRISTI, TX 78413 | AFLAC | $38 | $0 | $38 | 0.15% |
| DAVID R ZUNIGA3 | 6131 36TH ST LUBBOCK, TX 79407 | AFLAC | $30 | $0 | $30 | 0.12% |
| DEBORAH A WHITTINGTON3 | PO BOX 8132 CORPUS CHRISTI, TX 78468 | AFLAC | $6 | $0 | $6 | 0.02% |
| BILLY KEITH3 | 3827 N 10TH ST STE 303 MCALLEN, TX 78501 | AFLAC | $3 | $0 | $3 | 0.01% |
| ANDREW M GARCIA3 | 906 CARMEL PARKWAY CORPUS CHRISTI, TX 78411 | AFLAC | $3 | $0 | $3 | 0.01% |
| TIFFANY INGRAM WALKER3 Filed as: TIFFANY I WALKER | 23611 LITCHFIELD BEND LN KATY, TX 77494 | AFLAC | $2 | $0 | $2 | 0.01% |
| LARRY W MARONEY3 | 1230 MOUNTAIN BREEZE CANYON LAKE, TX 78133 | AFLAC | $1 | $0 | $1 | 0.00% |
| JOE A DEPASQUAL3 | 403 N FM 113 WEATHERFORD, TX 76088 | 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 | 160 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 162 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICE CORPORATION | 347 | $1.6M |
| Dental | HUMANA INSURANCE COMPANY | 153 | $106K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 252 | $183K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 252 | $183K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 252 | $183K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 252 | $322K |
| 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."
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.