| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | PO BOX 908 FORT WORTH, TX 76101 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | $42K | $51K | 5.79% |
| DEBORAH A WHITTINGTON3 | PO BOX 8132 CORPUS CHRISTI, TX 78468 | AFLAC | $9K | $188 | $9K | 10.26% |
| NATHAN WALSTON3 | 6801 CROSSWINDS DR CORPUS CHRISTI, TX 78414 | AFLAC | $5K | $150 | $5K | 5.73% |
| GILBERT M ELIZONDO3 | 6817 PRINCESS JEAN CORPUS CHRISTI, TX 78414 | AFLAC | $1K | $65 | $1K | 1.61% |
| SALVADOR DALI SANCHEZ3 | 302 OAK RIDGE DR CORPUS CHRISTI, TX 78418 | AFLAC | $672 | $0 | $672 | 0.75% |
| JOE A RODGERS3 | 1601 DOVE LN CORPUS CHRISTI, TX 78418 | AFLAC | $404 | $0 | $404 | 0.45% |
| ALEXANDER A ARTMAN3 | 103 POINTE VIEW DR MARS, PA 16046 | AFLAC | $374 | $0 | $374 | 0.42% |
| DEWAYNE E RICHARDSON3 | 4639 CORONA DR STE 37 CORPUS CHRISTI, TX 78411 | AFLAC | $314 | $0 | $314 | 0.35% |
| LINDA R MENDEZ3 | 9489 CHARDON CIR # 111 WEST CHESTER, OH 45069 | AFLAC | $269 | $0 | $269 | 0.30% |
| WILLIAM M HURLEY3 | 712 S CHILTON AVE WEST CHESTER, OH 45069 | AFLAC | $258 | $0 | $258 | 0.29% |
| ARMANDO PEREZ3 | 5622 TANGLEWOOD DR CORPUS CHRISTI, TX 78412 | AFLAC | $231 | $0 | $231 | 0.26% |
| DONAVAN W MASSEY3 | 1901 CARRIAGE PARK DR ALEXANDRIA, KY 41001 | AFLAC | $104 | $0 | $104 | 0.12% |
| ANTONIA DAVILA3 | 4900 N 23RD ST MCALLEN, TX 78504 | AFLAC | $67 | $0 | $67 | 0.07% |
| ALLEN CALK3 | 3942 E WESCOTT DR PHOENIX, AZ 85050 | AFLAC | $57 | $0 | $57 | 0.06% |
| NIDIA D HAFER3 | 5118 SHILOU RIDGE DR TYLER, TX 75703 | AFLAC | $50 | $0 | $50 | 0.06% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | PO BOX 908 FORT WORTH, TX 76101 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $0 | $3K | 17.00% |
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 | 139 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 183 | $875K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 183 | $875K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 183 | $875K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 131 | $17K |
| Other(2 contracts, 2 carriers) | AFLAC | 131 | $107K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 183 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.