| 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 | AMERICAN UNITED LIFE INSURANCE COMPANY | $6K | $897 | $7K | 17.32% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | PO BOX 908 FORT WORTH, TX 76101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $157 | $5K | 20.71% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | PO BOX 908 FORT WORTH, TX 76101 | AETNA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 14.14% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | PO BOX 908 FORT WORTH, TX 76101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $94 | $2K | 20.83% |
| DAVID R FISHER3 | 3221 COLLINSWORTH ST FORT WORTH, TX 76107 | AFLAC | $69 | $0 | $69 | 2.24% |
| KATHY M RAWLS3 | PO BOX 161734 FORT WORTH, TX 76161 | AFLAC | $67 | $0 | $67 | 2.17% |
| VERNON P HERRERA3 | PO BOX 310 SANTA FE, NM 87504 | AFLAC | $66 | $0 | $66 | 2.14% |
| GBC BENEFITS LTD3 | 2409 FOREST PARK BLVD FL 2 FORT WORTH, TX 76110 | AFLAC | $46 | $0 | $46 | 1.49% |
| MICHAEL A SIMPSON3 | 1318 MONTGOMERY LN SOUTHLAKE, TX 76092 | AFLAC | $34 | $0 | $34 | 1.10% |
| DARRELL L HOLLEY3 | 4601 ENGLEWOOD DR AUSTIN, TX 78745 | AFLAC | $22 | $0 | $22 | 0.71% |
| FRANKLIN R DAVIES3 | 201 ROYAL ABERDEEN WAY MCKINNEY, TX 75070 | AFLAC | $18 | $0 | $18 | 0.58% |
| MARCO JOE KLIMEK3 | 1501 LYNDON B JOHNSON FWY STE 660 DALLAS, TX 75234 | AFLAC | $13 | $0 | $13 | 0.42% |
| KATHY M RAWLS3 | PO BOX 161734 FORT WORTH, TX 76161 | AFLAC | $7 | $0 | $7 | 0.23% |
| JOHN M JOHNSON3 | 2150 W NORTHWEST HWY STE 114 GRAPEVINE, TX 76051 | AFLAC | $2 | $0 | $2 | 0.06% |
| RICKY POLSER3 | 1210 COUNTY ROAD 4930 LEONARD, TX 75452 | AFLAC | $2 | $0 | $2 | 0.06% |
| SHELLY WIEGAND3 | 2607 ARMATRADING DR CEDAR PARK, TX 78613 | AFLAC | $1 | $0 | $1 | 0.03% |
| ZACHARY EUGENE VICKERS3 Filed as: ZACHARY K JOHNSON | 4447 N CENTRAL EXPY STE 110 DALLAS, TX 75205 | AFLAC | $1 | $0 | $1 | 0.03% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | PO BOX 908 FORT WORTH, TX 76101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $308 | $13 | $321 | 20.87% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGGINBOTHAM INSURANCE AGENCY INC | Insurance agents and brokers Service code 22 | PO BOX 908 FORT WORTH, TX 76101 | $0 |
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 | 197 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 199 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | AETNA LIFE INSURANCE COMPANY | 274 | $20K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 197 | $11K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 54 | $39K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 197 | $22K |
| Other(2 contracts, 2 carriers) | AFLAC | 197 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 274 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.