| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | HEALTH CARE SERVICE CORPORATION | $59K | $5K | $63K | 4.05% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 731250360 | AMERICAN FIDELITY ASSURANCE COMPANY | $5K | $0 | $5K | 4.08% |
| TEXAS AUTO DEALERS ASSOCIATION3 | ATTN CHUCK PRICE AUSTIN, TX 78701 | AMERICAN FIDELITY ASSURANCE COMPANY | $0 | $4K | $4K | 2.84% |
| DAVID B APPLEWHITE3 | 23023 PLEASANTON ROAD SAN ANTONIO, TX 78264 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8K | $0 | $8K | 7.03% |
| HEWLETT INSURANCE GROUP LLC3 | PO BOX 249 GEORGETOWN, TX 78627 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 2.78% |
| JEFF A FORBES3 | 1007 BLOOMDALE LAS CRUCES, NM 88005 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $910 | $0 | $910 | 0.82% |
| EDUARDO A SAENZ3 | PO BOX 186 SAN ISIDRO, TX 78588 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $524 | $0 | $524 | 0.47% |
| NICANDRO LOPEZ3 | 14407 ALLWOOD ST SAN ANTONIO, TX 78233 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $486 | $0 | $486 | 0.44% |
| WILLIAM ANDERSON3 | 1750 SANTA FE TRAIL SAN ANTONIO, TX 78232 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $443 | $0 | $443 | 0.40% |
| HERNANDO OSCAR MUNOZ3 | 1909 SANTA MARIA AVE LAREDO, TX 78040 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $420 | $0 | $420 | 0.38% |
| RAMIRO PICHARDO3 | 375 COUNTY ROAD 214 CAMERON, TX 76520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $273 | $0 | $273 | 0.25% |
| JORGE MONTALVO3 | 12124 WHITE BIRCH ST SAN ANTONIO, TX 78245 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $251 | $0 | $251 | 0.23% |
| DANIEL SOSA3 | 12530 POINT SMT SAN ANTONIO, TX 78253 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $205 | $0 | $205 | 0.18% |
| JAMES T LEE INSURANCE AGENCY3 Filed as: JAMES T LEE INSURANCE AGENCY PC | 1426 BRAZOS BLVD LEWISVILLE, TX 75077 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $68 | $0 | $68 | 0.06% |
| JESSICA QUEEN3 | 401 BEVERLY LANE LEANDER, TX 78641 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $52 | $0 | $52 | 0.05% |
| TAG BENEFITS GROUP LLC3 | 502 N MAIN ST #139 WEATHERFORD, TX 76086 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $35 | $0 | $35 | 0.03% |
| BELINDA MORALES3 | 8820 WILL CLAYTON PKWY #F HUMBLE, TX 77338 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $26 | $0 | $26 | 0.02% |
| DAVID B APPLEWHITE3 Filed as: DAVID APPLEWHITE | 23023 PLEASANTON ROAD SAN ANTONIO, TX 78264 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | $0 | $4K | 10.43% |
| HEWLETT INSURANCE GROUP LLC3 | PO BOX 249 GEORGETOWN, TX 78627 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 4.47% |
| TEXAS AUTO DEALERS ASSOCIATION3 | ATTN CHUCK PRICE AUSTIN, TX 78701 | AMERICAN FIDELITY ASSURANCE COMPANY | $0 | $828 | $828 | 3.58% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 731250360 | AMERICAN FIDELITY ASSURANCE COMPANY | $680 | $0 | $680 | 2.94% |
| DAVID B APPLEWHITE3 | 23023 PLEASANTON ROAD SAN ANTONIO, TX 78264 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 5.80% |
| HEWLETT INSURANCE GROUP LLC3 | PO BOX 249 GEORGETOWN, TX 78627 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $632 | $0 | $632 | 2.99% |
| DANIEL SOSA3 | 12530 POINT SMT SAN ANTONIO, TX 78253 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $377 | $0 | $377 | 1.79% |
| ROGELIO R. ESPARZA3 Filed as: ROGELIO R ESPARZA | 1314 S A STREET HARLINGEN, TX 78550 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $223 | $0 | $223 | 1.06% |
| JEFF A FORBES3 | 1007 BLOOMDALE LAS CRUCES, NM 88005 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $168 | $0 | $168 | 0.80% |
| RAMIRO PICHARDO3 | 375 COUNTY ROAD 214 CAMERON, TX 76520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $135 | $0 | $135 | 0.64% |
| EDUARDO A SAENZ3 | PO BOX 186 SAN ISIDRO, TX 78588 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $72 | $0 | $72 | 0.34% |
| JORGE MONTALVO3 | 12124 WHITE BIRCH ST SAN ANTONIO, TX 78245 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $44 | $0 | $44 | 0.21% |
| 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 | AMERITAS LIFE INSURANCE CORP | $2K | $0 | $2K | 10.00% |
| DAVID B APPLEWHITE3 | 23023 PLEASANTON ROAD SAN ANTONIO, TX 78264 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $229 | $0 | $229 | 11.10% |
| HEWLETT INSURANCE GROUP LLC3 | PO BOX 249 GEORGETOWN, TX 78627 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $72 | $0 | $72 | 3.49% |
| EDUARDO A SAENZ3 | PO BOX 186 SAN ISIDRO, TX 78588 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $16 | $0 | $16 | 0.78% |
| JORGE MONTALVO3 | 12124 WHITE BIRCH ST SAN ANTONIO, TX 78245 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7 | $0 | $7 | 0.34% |
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 | 232 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 237 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICE CORPORATION | 327 | $1.6M |
| Dental | HEALTH CARE SERVICE CORPORATION | 327 | $1.6M |
| Vision | AMERITAS LIFE INSURANCE CORP | 156 | $18K |
| Life insurance | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 88 | $41K |
| Short-term disability(2 contracts) | AMERICAN FIDELITY ASSURANCE COMPANY | 112 | $149K |
| Long-term disability(2 contracts) | AMERICAN FIDELITY ASSURANCE COMPANY | 112 | $149K |
| Other(4 contracts, 2 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 112 | $260K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 327 | — |
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.