| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | HEALTH CARE SERVICE CORPORATION | $0 | $17K | $17K | 0.88% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | DEARBORN LIFE INSURANCE COMPANY | $14K | $949 | $15K | 10.76% |
| ROBERT K WHITT3 | 21013 NIMITZ AVE LAGO VISTA, TX 78645 | AFLAC | $832 | $111 | $943 | 3.61% |
| ADRIANE N NEWMAN3 | 2302 CLOVER RDG NEW BRAUNFELS, TX 78130 | AFLAC | $429 | $26 | $455 | 1.74% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | AFLAC | $451 | $0 | $451 | 1.73% |
| JEROME JEFFREY PESEK3 Filed as: JEROME JEFFEREY PESEK | 12566 MESA VERDE DR AUSTIN, TX 78737 | AFLAC | $336 | $26 | $362 | 1.39% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 8144 WALNUT HILL LN 16TH FLOOR DALLAS, TX 75231 | AFLAC | $191 | $0 | $191 | 0.73% |
| CARTER MAY3 Filed as: CARTER A MAY | PO BOX 341015 AUSTIN, TX 78734 | AFLAC | $152 | $0 | $152 | 0.58% |
| JAY MICHAEL ANDERSON3 | 1302 MOCKINGBIRD ST IOWA PARK, TX 76367 | AFLAC | $121 | $0 | $121 | 0.46% |
| HRO BENEFIT ADVISORS LLC3 Filed as: HRO BENEFIT ADVISORS | 700 ROCKMEAD DR STE 212 KINGWOOD, TX 77339 | AFLAC | $104 | $0 | $104 | 0.40% |
| JON H DAVENPORT3 | 703 THIMBLE SHOALS BLVD STE C-6 NEWPORT NEWS, VA 23606 | AFLAC | $90 | $0 | $90 | 0.34% |
| JADE CHAVEZ3 Filed as: JADE E CHAVEZ | 110 N INTERSTATE 35 STE 315 ROUND ROCK, TX 78681 | AFLAC | $68 | $0 | $68 | 0.26% |
| ROBERT D SEIBERT3 | 86 COUNTY ROAD 303 SHINER, TX 77984 | AFLAC | $55 | $0 | $55 | 0.21% |
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 | 302 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 305 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICE CORPORATION | 316 | $1.9M |
| Dental | HEALTH CARE SERVICE CORPORATION | 316 | $1.9M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 296 | $137K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 296 | $137K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 296 | $137K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 296 | $137K |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 296 | $163K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 316 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.