| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | DEARBORN LIFE INSURANCE COMPANY | $14K | $6K | $20K | 14.18% |
| ROBERT K WHITT3 | 21013 NIMITZ AVE LAGO VISTA, TX 78645 | AFLAC | $577 | $10 | $587 | 2.56% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | AFLAC | $494 | $0 | $494 | 2.15% |
| JENNIFER R THOM3 | 11704 NATRONA DR AUSTIN, TX 78759 | AFLAC | $455 | $0 | $455 | 1.98% |
| JEROME JEFFREY PESEK3 | 12566 MESA VERDE DR AUSTIN, TX 78737 | AFLAC | $337 | $2 | $339 | 1.48% |
| ADRIANE N NEWMAN3 | 1206 VERDE TRAILS DR HOUSTON, TX 77073 | AFLAC | $247 | $2 | $249 | 1.09% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN STE 1700 DALLAS, TX 75231 | AFLAC | $157 | $0 | $157 | 0.68% |
| CARTER MAY3 Filed as: CARTER A MAY | PO BOX 341015 AUSTIN, TX 78734 | AFLAC | $140 | $0 | $140 | 0.61% |
| JAY MICHAEL ANDERSON3 | 25 SURREY CIR IOWA PARK, TX 76367 | AFLAC | $106 | $0 | $106 | 0.46% |
| HRO BENEFIT ADVISORS LLC3 Filed as: HRO BENEFIT ADVISORS | 700 ROCKMEAD DR STE 212 KINGWOOD, TX 77339 | AFLAC | $104 | $0 | $104 | 0.45% |
| JON H DAVENPORT3 | 703 THIMBLE SHOALS BLVD C-6 NEWPORT NEWS, VA 23606 | AFLAC | $74 | $0 | $74 | 0.32% |
| JADE CHAVEZ3 Filed as: JADE E CHAVEZ | 110 N INTERSTATE 35 STE 315 ROUND ROCK, TX 78681 | AFLAC | $62 | $0 | $62 | 0.27% |
| ROBERT D SEIBERT3 | 86 COUNTY ROAD 303 SHINER, TX 77984 | AFLAC | $62 | $0 | $62 | 0.27% |
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 | 289 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 291 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICE CORPORATION | 302 | $2.1M |
| Dental | HEALTH CARE SERVICE CORPORATION | 302 | $2.1M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 289 | $144K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 289 | $144K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 289 | $144K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 289 | $144K |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 289 | $167K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 302 | — |
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.