| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010902 | UNITEDHEALTHCARE INSURANCE COMPANY | $9K | $43K | $52K | 5.89% |
| DEBORAH A WHITTINGTON3 | PO BOX 8132 CORPUS CHRISTI, TX 78468 | AFLAC | $5K | $0 | $5K | 7.70% |
| NATHAN WALSTON3 | 6801 CROSSWINDS DR CORPUS CHRISTI, TX 78414 | AFLAC | $1K | $0 | $1K | 1.74% |
| SALVADOR DALI SANCHEZ3 | 2921 AIRLINE RD # 916 CORPUS CHRISTI, TX 78414 | AFLAC | $718 | $0 | $718 | 1.04% |
| JOE A RODGERS3 | 1601 DOVE LN CORPUS CHRISTI, TX 78418 | AFLAC | $398 | $0 | $398 | 0.58% |
| GILBERT M ELIZONDO3 | 6817 PRINCESS JEAN CORPUS CHRISTI, TX 78414 | AFLAC | $385 | $0 | $385 | 0.56% |
| ALEXANDER A ARTMAN3 | 102 POINTE VIEW DR MARS, PA 16046 | AFLAC | $367 | $0 | $367 | 0.53% |
| DEWAYNE E RICHARDSON3 | 4639 CORONA DR STE 37 CORPUS CHRISTI, TX 78411 | AFLAC | $306 | $0 | $306 | 0.44% |
| LINDA R MENDEZ3 | 9489 CHARDON CIR #111 WEST CHESTER, OH 45069 | AFLAC | $268 | $0 | $268 | 0.39% |
| WILLIAM HURLEY3 | 712 S CHILTON AVE TYLER, TX 75701 | AFLAC | $252 | $0 | $252 | 0.36% |
| ARMANDO PEREZ3 | 5622 TANGLEWOOD DR CORPUS CHRISTI, TX 78412 | AFLAC | $233 | $0 | $233 | 0.34% |
| SHIRLEY BEST3 | 2702 REDSTONE WOODS SAN ANTONIO, TX 78259 | AFLAC | $176 | $0 | $176 | 0.25% |
| DONAVAN W MASSEY3 | 1901 CARRIAGE PARK DR ALEXANDRIA, KY 41001 | AFLAC | $94 | $0 | $94 | 0.14% |
| KYLE R SCOTT3 | 101 HORSESHOE BND WAXAHACHIE, TX 75165 | AFLAC | $93 | $0 | $93 | 0.13% |
| ANTONIA DAVILA3 | 4900 N 23RD ST MCALLEN, TX 78504 | AFLAC | $67 | $0 | $67 | 0.10% |
| ALLEN CALK3 | 3942 E WESCOTT DR PHOENIX, AZ 85050 | AFLAC | $62 | $0 | $62 | 0.09% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: MATTHEW DOMINIC BROWN | 490 43RD ST # 1009 OAKLAND, CA 94609 | AFLAC | $50 | $0 | $50 | 0.07% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $0 | $3K | 17.02% |
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 | 124 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 178 | $885K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 178 | $885K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 178 | $885K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 124 | $18K |
| Other(2 contracts, 2 carriers) | AFLAC | 124 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 178 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.