| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | AMERICAN UNITED LIFE INSURANCE COMPANY | $7K | $0 | $7K | 15.00% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $1K | $7K | 22.77% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | AETNA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 14.70% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $683 | $3K | 22.90% |
| KATHY M RAWLS3 Filed as: KATHY RAWLS | PO BOX 381 EMORY, TX 75440 | AFLAC | $47 | $0 | $47 | 5.84% |
| DARRELL L HOLLEY3 Filed as: DARRELL HOLLEY | 4601 ENGLEWOOD DR AUSTIN, TX 78745 | AFLAC | $14 | $0 | $14 | 1.74% |
| MARCO JOE KLIMEK3 Filed as: MARCO KLIMEK | 1501 LYNDON B JOHNSON FWY STE 660 DALLAS, TX 75234 | AFLAC | $8 | $0 | $8 | 0.99% |
| JOHN E CUMMINGS3 Filed as: JOHN JOHNSON | 2150 W NORTHWEST HWY 114-1144 GRAPEVINE, TX 76051 | AFLAC | $2 | $0 | $2 | 0.25% |
| ZACHARY JOHNSON3 | 4447 N CENTRAL EXPY STE 110 DALLAS, TX 75205 | AFLAC | $1 | $0 | $1 | 0.12% |
| SHELLY WIEGAND3 | 2607 ARMATRADING DR CEDAR PARK, TX 78613 | AFLAC | $1 | $0 | $1 | 0.12% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGGINBOTHAM INS 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 | 233 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 236 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | AETNA LIFE INSURANCE COMPANY | 309 | $19K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 237 | $45K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 58 | $45K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 237 | $30K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 237 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 309 | — |
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.