| 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 | $8K | $452 | $9K | 21.07% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | PO BOX 908 FORT WORTH, TX 76101 | AETNA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 7.10% |
| ELIZABETH GAYLE LAWSON3 Filed as: ELIZABETH G LAWSON | 7450 HOLLY HILL DR DALLAS, TX 75231 | AFLAC | $1K | $31 | $1K | 6.22% |
| GAY M HUNDLEY3 | 1416 GABLES CT PLANO, TX 75075 | AFLAC | $323 | $6 | $329 | 1.39% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT L CLARK | 7606 UNIVERSITY AVE STE F LUBBOCK, TX 79423 | AFLAC | $221 | $0 | $221 | 0.93% |
| BILLIE J CLARK3 | 7606 UNIVERSITY AVE STE F LUBBOCK, TX 79423 | AFLAC | $215 | $0 | $215 | 0.91% |
| KEVIN B BAILEY3 | 7105 WIND ROW DR MCKINNEY, TX 75070 | AFLAC | $158 | $0 | $158 | 0.67% |
| MICHAEL P SHEPARD3 | PO BOX 96 LAVON, TX 75166 | AFLAC | $146 | $0 | $146 | 0.62% |
| T ALLEN HOWDESHELL3 Filed as: ALLEN V HUNDLEY | 620 TAYLOR TRAIL MURPHY, TX 75094 | AFLAC | $144 | $0 | $144 | 0.61% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM C COVINGTON | 2340 E TRINITY MILLS RD STE 300 CARROLLTON, TX 75006 | AFLAC | $123 | $0 | $123 | 0.52% |
| PAUL DANIEL CHRISTIAN3 | 4211 PHOENIX DR CARROLLTON, TX 75010 | AFLAC | $105 | $6 | $111 | 0.47% |
| ANNE K GRAVSETH3 | 4528 CEDARBRUSH DR DALLAS, TX 75229 | AFLAC | $106 | $0 | $106 | 0.45% |
| ANDERSON C THOMPSON3 | 4001 TRENT PINES DR NEW BERN, NC 28562 | AFLAC | $99 | $0 | $99 | 0.42% |
| CRAIG S DAVIES3 | 109 TIMBER CREEK CT ARGYLE, TX 76226 | AFLAC | $76 | $0 | $76 | 0.32% |
| JAMES A VANDIVER3 | 4516 LOUISVILLE DR PLANO, TX 75093 | AFLAC | $57 | $0 | $57 | 0.24% |
| FRANKLIN R DAVIES3 | 201 ROYAL ABERDEEN WAY MCKINNEY, TX 75070 | AFLAC | $51 | $0 | $51 | 0.22% |
| MATTHEW LEE CLARK3 | 125 COTTONWOOD DR GRANTS, NM 87020 | AFLAC | $51 | $0 | $51 | 0.22% |
| SCOTT WEBB3 | 2355 W PINNACLE PEAK RD STE 380 PHOENIX, AZ 85027 | AFLAC | $47 | $0 | $47 | 0.20% |
| ROBERT PERRY EVANS JR3 | 1031 SADDLEBROOK DR LUCAS, TX 75002 | AFLAC | $40 | $6 | $46 | 0.19% |
| DOUGLAS E GILREATH3 | 2701 MACARTHUR BLVD #810 LEWISVILLE, TX 75067 | AFLAC | $29 | $0 | $29 | 0.12% |
| DAVID FORD HARRISON3 | 829 DIVOT CIR BOWLING GREEN, KY 42104 | AFLAC | $28 | $0 | $28 | 0.12% |
| PAUL S TERRELL3 Filed as: PAUL TERRELL | 105 HAYESPORT LN COLLINSVILLE, TX 76233 | AFLAC | $26 | $0 | $26 | 0.11% |
| KEVIN B BAILEY3 | 2300 KATHRYN LN #2318 PLANO, TX 75025 | AFLAC | $14 | $0 | $14 | 0.06% |
| MARCO JOE KLIMEK3 | 1501 LYNDON B JOHNSON FRWY STE 660 DALLAS, TX 75234 | AFLAC | $11 | $0 | $11 | 0.05% |
| CARL W HODGES3 | PO BOX 263 BULLARD, TX 75757 | AFLAC | $8 | $0 | $8 | 0.03% |
| DARRELL L HOLLEY3 | 4601 ENGLEWOOD DR AUSTIN, TX 78745 | AFLAC | $6 | $0 | $6 | 0.03% |
| JOHN M JOHNSON3 | 2150 W NORTHWEST HWY STE 114 GRAPEVINE, TX 76051 | AFLAC | $2 | $0 | $2 | 0.01% |
| INDEPENDENT SCHOOL MANAGEMENT3 | 1316 N UNION ST WILMINGTON, DE 19806 | UNUM LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 15.23% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | PO BOX 908 FORT WORTH, TX 76101 | AETNA BEHAVIORAL HEALTH LLC | $175 | $0 | $175 | 5.00% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | PO BOX 908 FORT WORTH, TX 76101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $570 | $34 | $604 | 21.20% |
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 | 107 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 107 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY | 36 | $29K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 107 | $66K |
| Short-term disability | AFLAC | 25 | $24K |
| Other(4 contracts, 4 carriers) | AFLAC | 113 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 113 | — |
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.