| 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 | $0 | $8K | 20.00% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | PO BOX 908 FORT WORTH, TX 76101 | AETNA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 7.73% |
| ELIZABETH GAYLE LAWSON3 | 7450 HOLLY HILL DR #111 DALLAS, TX 75231 | AFLAC | $2K | $0 | $2K | 8.58% |
| T ALLEN HOWDESHELL3 Filed as: ALLEN V HUNDLEY | 620 TAYLOR TRL MURPHY, TX 75094 | AFLAC | $359 | $0 | $359 | 1.61% |
| GAY M HUNDLEY3 | 620 TAYLOR TRL MURPHY, TX 75094 | AFLAC | $203 | $0 | $203 | 0.91% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT L CLARK | 7606 UNIVERSITY AVE STE F LUBBOCK, TX 79423 | AFLAC | $202 | $0 | $202 | 0.91% |
| SUZANNE LEWIS3 | 7116 RIPLEY ST MCKINNEY, TX 75071 | AFLAC | $193 | $0 | $193 | 0.87% |
| BILLIE J CLARK3 | 7606 UNIVERSITY AVE STE F LUBBOCK, TX 79423 | AFLAC | $190 | $0 | $190 | 0.85% |
| KEVIN B BAILEY3 | 7105 WIND ROW DR MCKINNEY, TX 75070 | AFLAC | $145 | $0 | $145 | 0.65% |
| MICHAEL P SHEPARD3 | PO BOX 96 LAVON, TX 75166 | AFLAC | $125 | $0 | $125 | 0.56% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM C COVINGTON | 2340 E TRINITY MILLS RD STE 300 CARROLLTON, TX 75006 | AFLAC | $113 | $0 | $113 | 0.51% |
| ANN K GRAVSETH3 | 4528 CEDARBRUSH DR DALLAS, TX 75229 | AFLAC | $97 | $0 | $97 | 0.44% |
| ANDERSON C THOMPSON3 | 4001 TRENT PINES DR NEW BERN, NC 28562 | AFLAC | $87 | $0 | $87 | 0.39% |
| CRAIG S DAVIES3 | 109 TIMBER CREEK CT ARGYLE, TX 76226 | AFLAC | $68 | $0 | $68 | 0.31% |
| JAMES A VANDIVER3 | 4516 LOUISVILLE DR PLANO, TX 75093 | AFLAC | $52 | $0 | $52 | 0.23% |
| MATTHEW LEE CLARK3 | 125 COTTONWOOD DR GRANTS, NM 87020 | AFLAC | $47 | $0 | $47 | 0.21% |
| FRANKLIN R DAVIES3 | 201 ROYAL ABERDEEN WAY MCKINNEY, TX 75070 | AFLAC | $45 | $0 | $45 | 0.20% |
| SCOTT WEBB3 | 2155 W PINNACLE PEAK RD STE 205 PHOENIX, AZ 85027 | AFLAC | $44 | $0 | $44 | 0.20% |
| PAUL DANIEL CHRISTIAN3 | 4211 PHOENIX DR CARROLLTON, TX 75010 | AFLAC | $30 | $0 | $30 | 0.13% |
| DAVID FORD HARRISON3 | 829 DIVOT CIR BOWLING GREEN, KY 42104 | AFLAC | $26 | $0 | $26 | 0.12% |
| PAUL S TERRELL3 Filed as: PAUL TERRELL | 105 HAYESPORT LN COLLINSVILLE, TX 76233 | AFLAC | $24 | $0 | $24 | 0.11% |
| DOUGLAS E GILREATH3 | 2701 MACARTHUR BLVD #810 LEWISVILLE, TX 75067 | AFLAC | $23 | $0 | $23 | 0.10% |
| ROBERT PERRY EVANS JR3 | 1031 SADDLEBROOK DR LUCAS, TX 75002 | AFLAC | $19 | $0 | $19 | 0.09% |
| MARCO JOE KLIMEK3 | 1501 LYNDON B JOHNSON FWY STE 660 DALLAS, TX 75234 | AFLAC | $9 | $0 | $9 | 0.04% |
| GARY C KLEIN3 | 3211 SAN SEBASTIAN DR CARROLLTON, TX 75006 | AFLAC | $7 | $0 | $7 | 0.03% |
| BARBARA ANN MCNAUGHTON3 | 10000 N 31ST AVE STE C107 PHOENIX, AZ 85051 | AFLAC | $5 | $0 | $5 | 0.02% |
| DARRELL L HOLLEY3 | 4601 ENGLEWOOD DR AUSTIN, TX 78745 | AFLAC | $5 | $0 | $5 | 0.02% |
| HARVEY EDWARD MCCREARY JR3 | 273 BELLWOOD DR GARLAND, TX 75040 | AFLAC | $3 | $0 | $3 | 0.01% |
| JOHN M JOHNSON3 | 2150 W NORTHWEST HWY STE 114 GRAPEVINE, TX 76051 | AFLAC | $3 | $0 | $3 | 0.01% |
| INDEPENDENT SCHOOL MANAGEMENT3 | 1316 N UNION ST WILMINGTON, DE 19806 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 15.76% |
| 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 | $534 | $0 | $534 | 20.01% |
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 | 111 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 111 | 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 | 141 | $64K |
| Short-term disability | AFLAC | 23 | $22K |
| Other(4 contracts, 4 carriers) | AFLAC | 128 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 141 | — |
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.