| 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 | DEARBORN LIFE INSURANCE COMPANY | $17K | $5K | $22K | 13.99% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC | PO BOX 908 FORT WORTH, TX 76101 | AFLAC | $603 | $0 | $603 | 2.62% |
| ROBERT K WHITT3 Filed as: ROBERT WHITT | 21013 NIMITZ AVE LAGO VISTA, TX 78645 | AFLAC | $510 | $0 | $510 | 2.22% |
| DANIEL WOLFENSTEIN3 | 155 ROCK VISTA RUN AUSTIN, TX 78737 | AFLAC | $374 | $0 | $374 | 1.63% |
| JEROME JEFFREY PESEK3 Filed as: JEROME PESEK | 12566 MESA VERDE DR AUSTIN, TX 78737 | AFLAC | $235 | $0 | $235 | 1.02% |
| ADRIANE N NEWMAN3 Filed as: ADRIANE NEWMAN | 1206 VERDE TRAILS DR HOUSTON, TX 77073 | AFLAC | $217 | $0 | $217 | 0.94% |
| JENNIFER R THOM3 Filed as: JENNIFER THOM | 405 J 58TH AVE YAKIMA, WA 98908 | AFLAC | $118 | $47 | $165 | 0.72% |
| JAMIE VILLASANA3 | 101 SHELF ROCK RD GEORGETOWN, TX 78628 | AFLAC | $151 | $8 | $159 | 0.69% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN DALLAS, TX 75231 | AFLAC | $118 | $0 | $118 | 0.51% |
| HRO BENEFIT ADVISORS LLC3 Filed as: HRO BENEFIT ADVISORS | 3120 SOUTHWEST FWY STE 101 194053 PMB HOUSTON, TX 77098 | AFLAC | $113 | $0 | $113 | 0.49% |
| CARTER MAY3 | PO BOX 341015 AUSTIN, TX 78734 | AFLAC | $105 | $0 | $105 | 0.46% |
| JAY MICHAEL ANDERSON3 Filed as: JAY ANDERSON | 25 SURVEY CIR IOWA PARK, TX 76367 | AFLAC | $103 | $0 | $103 | 0.45% |
| JADE CHAVEZ3 | 110 N INTERSTATE 35 STE 315 PMB 125 ROUND ROCK, TX 78681 | AFLAC | $67 | $0 | $67 | 0.29% |
| PEDRO LEONE RODRIGUES3 Filed as: PEDRO RODRIGUES | 8084 GATO LN ROUND ROCK, TX 78665 | AFLAC | $64 | $0 | $64 | 0.28% |
| SHELLY WEIGAND3 | 2607 ARMATRADING DR CEDAR PARK, TX 78613 | AFLAC | $50 | $8 | $58 | 0.25% |
| MARCIE DAVENPORT3 | 4869 W COTTAGE BROOK CIR WEST VALLEY CITY, UT 84120 | AFLAC | $56 | $0 | $56 | 0.24% |
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 | 284 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 284 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 284 | $1.7M |
| Dental | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 284 | $1.7M |
| Vision(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 284 | $1.9M |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 271 | $158K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 271 | $158K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 271 | $158K |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 271 | $181K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 284 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.