| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | PO BOX 908 FORT WORTH, TX 76101 | HEALTH CARE SERVICE CORPORATION | $0 | $2K | $2K | 0.11% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | PO BOX 908 FORT WORTH, TX 76101 | DEARBORN LIFE INSURANCE COMPANY | $15K | $0 | $15K | 10.11% |
| ROBERT K WHITT3 | 21013 NIMITZ AVE LAGO VISTA, TX 78645 | AFLAC | $410 | $0 | $410 | 2.13% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | PO BOX 908 FORT WORTH, TX 76101 | AFLAC | $397 | $0 | $397 | 2.06% |
| JENNIFER R THOM3 | 405 J 58TH AVE YAKIMA, WA 98908 | AFLAC | $294 | $0 | $294 | 1.53% |
| JEROME JEFFREY PESEK3 | 12566 MESA VERDE DR AUSTIN, TX 78737 | AFLAC | $207 | — | $207 | 1.07% |
| ADRIANE N NEWMAN3 | 1206 VERDE TRIALS DR HOUSTON, TX 77073 | AFLAC | $200 | $0 | $200 | 1.04% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN STE 1700 DALLAS, TX 75231 | AFLAC | $131 | $0 | $131 | 0.68% |
| CARTER MAY3 Filed as: CARTER A MAY | PO BOX 341015 AUSTIN, TX 78734 | AFLAC | $117 | $0 | $117 | 0.61% |
| SHELLY WIEGAND3 | 2607 ARMATRADING DR CEDAR PARK, TX 78613 | AFLAC | $110 | $0 | $110 | 0.57% |
| HRO BENEFIT ADVISORS LLC3 Filed as: HRO BENEFIT ADVISORS | 700 ROCKMEAD SR STE 212 KINGWOOD, TX 77339 | AFLAC | $96 | $0 | $96 | 0.50% |
| JAY MICHAEL ANDERSON3 | 25 SURREY CIR IOWA PARK, TX 76367 | AFLAC | $88 | $0 | $88 | 0.46% |
| JAIME I VILLASANA3 | 101 SHELF ROCK RD GEORGETOWN, TX 78628 | AFLAC | $74 | $0 | $74 | 0.38% |
| JON H DAVENPORT3 | 703 THIMBLE SHOALS BLDV STE C-6 NEWPORT NEWS, VA 23606 | AFLAC | $62 | — | $62 | 0.32% |
| JADE CHAVEZ3 Filed as: JADE E CHAVEZ | 110 N INTERSTATE 35 STE 315 PMB 125 ROUND ROCK, TX 78681 | AFLAC | $57 | $0 | $57 | 0.30% |
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 | 275 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 275 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICE CORPORATION | 320 | $2.2M |
| Dental | HEALTH CARE SERVICE CORPORATION | 320 | $2.2M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 271 | $144K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 271 | $144K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 271 | $144K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 271 | $144K |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 271 | $164K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 320 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.