| 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 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 14.18% |
| COMPENSATION STRATEGIES GROUP OF TX3 Filed as: COMPENSATION STRATEGIES | 101 SUMMIT AVE STE 600 FORT WORTH, TX 76102 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $803 | $0 | $803 | 5.82% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | PO BOX 908 FORT WORTH, TX 76101 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 10.81% |
| HEFA OPERATING LLC3 | 101 SUMMIT AVE STE 600 FORT WORTH, TX 76102 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $477 | $0 | $477 | 4.19% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | PO BOX 908 FORT WORTH, TX 76101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 14.18% |
| COMPENSATION STRATEGIES GROUP OF TX3 Filed as: COMPENSATION STRATEGIES | 101 SUMMIT AVE STE 600 FORT WORTH, TX 76102 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $496 | $0 | $496 | 5.81% |
| DAVID R FISHER3 | 2409 FOREST PARK BLVD FORT WORTH, TX 76110 | AFLAC | $107 | $0 | $107 | 2.43% |
| KATHY M RAWLS0 | PO BOX 161734 FORT WORTH, TX 76161 | AFLAC | $104 | $0 | $104 | 2.36% |
| GBC BENEFITS LTD3 | 2409 FOREST PARK BLVD 2ND FLOOR FORT WORTH, TX 76110 | AFLAC | $87 | $0 | $87 | 1.97% |
| VERNON P HERRERA3 | PO BOX 310 SANTA FE, NM 87504 | AFLAC | $84 | $0 | $84 | 1.91% |
| MICHAEL A SIMPSON3 | 1318 MONTGOMERY LN SOUTHLAKE, TX 76092 | AFLAC | $37 | $0 | $37 | 0.84% |
| DARRELL L HOLLEY3 | 1807 COLLIER ST AUSTIN, TX 78704 | AFLAC | $22 | $0 | $22 | 0.50% |
| FRANKLIN R DAVIES3 | 201 ROYAL ABERDEEN WAY MCKINNEY, TX 75070 | AFLAC | $18 | $0 | $18 | 0.41% |
| MARCO JOE KLIMEK3 | 1501 LYNDON B JOHNSON FRWY STE 660 DALLAS, TX 75234 | AFLAC | $13 | $0 | $13 | 0.30% |
| DARRIN GLENN SPRADLEY3 | 15255 MAJORCA ST DALLAS, TX 75248 | AFLAC | $9 | $0 | $9 | 0.20% |
| TAMMI LAVOICE COOPER3 | PO BOX 609 SANGER, TX 76266 | AFLAC | $5 | $0 | $5 | 0.11% |
| ROBERT SHEPARD COOPER3 | PO BOX 609 SANGER, TX 76266 | AFLAC | $4 | $0 | $4 | 0.09% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | PO BOX 908 FORT WORTH, TX 76101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $165 | $0 | $165 | 14.19% |
| COMPENSATION STRATEGIES GROUP OF TX3 Filed as: COMPENSATION STRATEGIES | 101 SUMMIT AVE STE 600 FORT WORTH, TX 76102 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $68 | $0 | $68 | 5.85% |
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 | 193 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 194 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 193 | $9K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 23 | $11K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 193 | $14K |
| Other(2 contracts, 2 carriers) | AFLAC | 193 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 193 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.