| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | HEALTH CARE SERVICE CORPORATION | $56K | $0 | $56K | 3.96% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $8K | $0 | $8K | 5.68% |
| TEXAS AUTO DEALERS ASSOCIATION3 | ATTN CHUCK PRICE AUSTIN, TX 78701 | AMERICAN FIDELITY ASSURANCE COMPANY | $0 | $4K | $4K | 2.85% |
| DAVID B APPLEWHITE3 Filed as: DAVID APPLEWHITE | 23023 PLEASANTON RD SAN ANTONIO, TX 78264 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9K | $0 | $9K | 7.87% |
| HEWLETT INSURANCE GROUP LLC3 | PO BOX 249 GEORGETOWN, TX 78264 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | $0 | $4K | 3.09% |
| JEFF A FORBES | 1007 BLOOMDALE LAS CRUCES, NM 88005 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 1.40% |
| EDUARDO A SAENZ3 | PO BOX 186 SAN ISIDRO, TX 78588 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $831 | $0 | $831 | 0.73% |
| NICANDRO LOPEZ3 | 14407 ALLWOOD ST SAN ANTONIO, TX 78233 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $543 | $0 | $543 | 0.48% |
| HERNANDO OSCAR MUNOZ3 | 1909 SANTA MARIA AVE LAREDO, TX 78040 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $275 | $0 | $275 | 0.24% |
| JORGE MONTALVO3 | 12124 WHITE BIRCH ST SAN ANTONIO, TX 78245 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $271 | $0 | $271 | 0.24% |
| DANIEL SOSA3 | 12530 POINT SMT SAN ANTONIO, TX 78253 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $228 | $0 | $228 | 0.20% |
| JESSICA QUEEN3 | 401 BEVERLY LN LEANDER, TX 78641 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $93 | $0 | $93 | 0.08% |
| JAMES T LEE INSURANCE AGENCY3 Filed as: JAMES T LEE INS AGENCY PC | 1426 BRAZOS BLVD LEWISVILLE, TX 75077 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $80 | $0 | $80 | 0.07% |
| TAG BENEFITS GROUP LLC3 | 502 N MAIN ST #139 WEATHERFORD, TX 76086 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $41 | $0 | $41 | 0.04% |
| DAVID B APPLEWHITE3 Filed as: DAVID APPLEWHITE | 23023 PLEASANTON RD SAN ANTONIO, TX 78264 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | $0 | $4K | 10.47% |
| HEWLETT INSURANCE GROUP LLC3 | PO BOX 249 GEORGETOWN, TX 78627 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 4.49% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $2K | $0 | $2K | 7.93% |
| TEXAS AUTO DEALERS ASSOCIATION3 | ATTN CHUCK PRICE AUSTIN, TX 78701 | AMERICAN FIDELITY ASSURANCE COMPANY | $0 | $819 | $819 | 3.59% |
| DAVID B APPLEWHITE3 Filed as: DAVID APPLEWHITE | 23023 PLEASANTON RD SAN ANTONIO, TX 78264 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 9.22% |
| HEWLETT INSURANCE GROUP LLC3 Filed as: HEWLETT INSURANCE GROUP, LLC | PO BOX 249 GEORGETOWN, TX 78627 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $786 | $0 | $786 | 3.63% |
| DANIEL SOSA3 | 12530 POINT SMT SAN ANTONIO, TX 78253 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $379 | $0 | $379 | 1.75% |
| JEFF A FORBES3 | 1007 BLOOMDALE LAS CRUCES, NM 88005 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $318 | $0 | $318 | 1.47% |
| ROGELIO R. ESPARZA3 Filed as: ROGELIO R ESPARZA | 1314 S A ST HARLINGEN, TX 78550 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $159 | $0 | $159 | 0.73% |
| EDUARDO A SAENZ3 | PO BOX 186 SAN ISIDRO, TX 78588 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $70 | $0 | $70 | 0.32% |
| JORGE MONTALVO3 | 12124 WHITE BIRCH ST SAN ANTONIO, TX 78245 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $44 | $0 | $44 | 0.20% |
| NICANDRO LOPEZ3 | 14407 ALLWOOD ST SAN ANTONIO, TX 78233 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $39 | $0 | $39 | 0.18% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | DEARBORN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.01% |
| DAVID B APPLEWHITE3 Filed as: DAVID APPLEWHITE | 23023 PLEASANTON RD SAN ANTONIO, TX 78264 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $316 | $0 | $316 | 11.68% |
| HEWLETT INSURANCE GROUP LLC3 Filed as: HEWLETT INSURANCE GROUP, LLC | PO BOX 249 GEORGETOWN, TX 78627 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $106 | $0 | $106 | 3.92% |
| JEFF A FORBES3 | 1007 BLOOMDALE LAS CRUCES, NM 88005 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $44 | $0 | $44 | 1.63% |
| EDUARDO A SAENZ3 | PO BOX 186 SAN ISIDRO, TX 78588 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15 | $0 | $15 | 0.55% |
| JORGE MONTALVO3 | 12124 WHITE BIRCH ST SAN ANTONIO, TX 78245 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8 | $0 | $8 | 0.30% |
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 | 224 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 225 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICE CORPORATION | 296 | $1.4M |
| Dental | HEALTH CARE SERVICE CORPORATION | 296 | $1.4M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 142 | $20K |
| Life insurance | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 93 | $40K |
| Short-term disability | AMERICAN FIDELITY ASSURANCE COMPANY | 110 | $143K |
| Long-term disability(2 contracts) | AMERICAN FIDELITY ASSURANCE COMPANY | 110 | $166K |
| Other(3 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 125 | $138K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 296 | — |
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.