| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | UNION SECURITY INSURANCE COMPANY | $9K | $1K | $10K | 11.48% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $446 | $3K | 11.48% |
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP | 18940 N PIMA RD STE 210 SCOTTSDALE, AZ 85255 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $2K | $2K | 5.00% |
| JOEL WEGER3 | 119 N MAIN ST STE 209 WEATHERFORD, TX 76086 | AFLAC | $611 | $23 | $634 | 3.52% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | AFLAC | $548 | $0 | $548 | 3.04% |
| RONDA HENSON3 | 427 SHADY HILL LN SPRINGTOWN, TX 76082 | AFLAC | $297 | $0 | $297 | 1.65% |
| MARY CATHERINE WILLIAMS3 Filed as: MARY WILLIAMS | 1102 STEVENS ST STE 1 BRIDGEPORT, TX 76426 | AFLAC | $267 | $23 | $290 | 1.61% |
| KENNETH B ISBELL3 | 905 W COLLEGE ST JACKSBORO, TX 76458 | AFLAC | $280 | $0 | $280 | 1.55% |
| JESSICA JONES3 | 7753 HASHLEY RD MANCHESTER, MI 48158 | AFLAC | $134 | $114 | $248 | 1.38% |
| ROBERT MARTINEZ3 | PO BOX 1103 SAINT FRANCIS, KS 67756 | AFLAC | $113 | $0 | $113 | 0.63% |
| MICHAEL CRUSHA3 | PO BOX 362 GRAFORD, TX 76449 | AFLAC | $87 | $0 | $87 | 0.48% |
| GENE A STEPHENS3 | PO BOX 7513 FORT WORTH, TX 76111 | AFLAC | $87 | $0 | $87 | 0.48% |
| KEVIN D GOODMAN3 Filed as: KEVIN GOODMAN | 749 GATEWAY BLDG D ABILENE, TX 79602 | AFLAC | $72 | $0 | $72 | 0.40% |
| MARY B SALMON3 Filed as: MARY SALMON | 286 DIAMOND RD WHITEWRIGHT, TX 75491 | AFLAC | $53 | $0 | $53 | 0.29% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $241 | $2K | 16.98% |
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP | 18940 N PIMA RD STE 210 SCOTTSDALE, AZ 85255 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $610 | $610 | 5.00% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $193 | $2K | 16.69% |
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP | 18940 N PIMA RD STE 210 SCOTTSDALE, AZ 85255 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $573 | $573 | 5.00% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $672 | $0 | $672 | 7.64% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | UNITED DENTAL CARE OF TEXAS INC | $425 | $60 | $485 | 11.41% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $269 | $30 | $299 | 16.68% |
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP | 18940 N PIMA RD STE 210 SCOTTSDALE, AZ 85255 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $90 | $90 | 5.02% |
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 | 171 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 173 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 133 | $92K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 150 | $9K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 229 | $30K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 41 | $12K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 171 | $11K |
| Other(2 contracts, 2 carriers) | AFLAC | 171 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 229 | — |
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.