| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ISM INSURANCE INC3 | 2207 CONCORD PIKE 417 WILMINGTON, DE 19803 | SUN LIFE ASSURANCE COMPANY OF CANADA | $11K | $0 | $11K | 21.63% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC | PO BOX 908 FORT WORTH, TX 76101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $0 | $8K | 20.00% |
| STOOKBERRY INSURANCE AGENCY LLC | 7007 PARK HILL TRL SACHSE, TX 75048 | AFLAC | $3K | $66 | $3K | 8.17% |
| ELIZABETH GAYLE LAWSON | 7450 HOLLY HILL DR APT 111 DALLAS, TX 75231 | AFLAC | $655 | $0 | $655 | 1.98% |
| ROBERT ELI WHITNEY Filed as: ROBERT D ALLEN | 11632 W TENAZA DR PEORIA, AZ 85383 | AFLAC | $488 | $0 | $488 | 1.47% |
| LINDA A LECIEJEWSKI | 1296 SEYMOUR DR FRISCO, TX 75033 | AFLAC | $353 | $11 | $364 | 1.10% |
| WILLIAM A GRAHAM COMPANY Filed as: WILLIAM C COVINGTON | 1750 WINDY HILL LN PROSPER, TX 75078 | AFLAC | $226 | $0 | $226 | 0.68% |
| BILLIE J CLARK | 5601 COUNTY ROAD 1450 LUBBOCK, TX 79407 | AFLAC | $219 | $0 | $219 | 0.66% |
| T ALLEN HOWDESHELL Filed as: ALLEN V HUNDLEY | 8796 FOREST CREEK LN ANNA, TX 75409 | AFLAC | $208 | $0 | $208 | 0.63% |
| ROBERT G. RELPH AGENCY, INC. Filed as: ROBERT L CLARK | 5601 COUNTY ROAD 1450 STE F LUBBOCK, TX 79407 | AFLAC | $204 | $0 | $204 | 0.62% |
| GAY M HUNDLEY | 8796 FOREST CREEK LN ANNA, TX 75409 | AFLAC | $124 | $0 | $124 | 0.37% |
| ANDERSON C THOMPSON | 4001 TRENT PINES DR NEW BERN, NC 28562 | AFLAC | $98 | $0 | $98 | 0.30% |
| KRISTY ANN MOOREHEAD | 300 WELCH DR ROYSE CITY, TX 75189 | AFLAC | $78 | $0 | $78 | 0.24% |
| CAROLYN ANN MCLAUGHLIN | 639 E TRIPP RD SUNNYVALE, TX 75182 | AFLAC | $75 | $0 | $75 | 0.23% |
| LORI J THOMPSON | 1319 W MAIN ST UNIT 6 GUN BARREL CITY, TX 75156 | AFLAC | $68 | $0 | $68 | 0.21% |
| KEVIN B BAILEY | 6200 BROWNSTONE DR MCKINNEY, TX 75070 | AFLAC | $63 | $0 | $63 | 0.19% |
| CRAIG S DAVIES | 531 SANDY LN FLOWER MOUND, TX 75022 | AFLAC | $59 | $0 | $59 | 0.18% |
| MATTHEW PENCE Filed as: MATTHEW A PENCE | 1185 WATERSCAPE BLVD ROYSE CITY, TX 75189 | AFLAC | $55 | $0 | $55 | 0.17% |
| MATTHEW LEE CLARK | 920 COUNTY ROAD 1 WILSON, TX 79381 | AFLAC | $51 | $0 | $51 | 0.15% |
| MICHAEL P SHEPARD | PO BOX 96 LAVON, TX 75166 | AFLAC | $50 | $0 | $50 | 0.15% |
| INDEPENDENT SCHOOL MANAGEMENT3 | 1316 N UNION ST WILMINGTON, DE 19806 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 15.00% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC | PO BOX 908 FORT WORTH, TX 76101 | METROPOLITAN LIFE INSURANCE COMPANY | $809 | $0 | $809 | 10.00% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC | PO BOX 908 FORT WORTH, TX 76101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $673 | $0 | $673 | 20.00% |
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 | 119 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 73 | $34K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 144 | $8K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 214 | $38K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 133 | $50K |
| Other(3 contracts, 3 carriers) | AFLAC | 225 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 225 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.