| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $0 | $7K | 20.00% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | AETNA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 6.00% |
| ELIZABETH GAYLE LAWSON3 | 7450 HOLLY HILL DR #111 DALLAS, TX 75231 | AFLAC | $2K | $72 | $2K | 4.94% |
| STOOKSBERRY INSURANCE AGENCY LLC3 | PO BOX 451882 GARLAND, TX 75045 | AFLAC | $1K | $0 | $1K | 3.32% |
| SUSAN G STOOKSBERRY3 | PO BOX 451882 GARLAND, TX 75045 | AFLAC | $789 | $168 | $957 | 2.93% |
| T ALLEN HOWDESHELL3 Filed as: ALLEN V HUNDLEY | 8796 FOREST CREEK LN ANNA, TX 75409 | AFLAC | $322 | $48 | $370 | 1.13% |
| MATTHEW PENCE3 | 329 OAKS TRL STE 211 GARLAND, TX 75043 | AFLAC | $363 | $0 | $363 | 1.11% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM C COVINGTON | 550 S WATTERS RD STE 103 ALLEN, TX 75013 | AFLAC | $254 | $48 | $302 | 0.92% |
| KRISTY ANN MOOREHEAD3 | 329 OAKS TRL STE 211 GARLAND, TX 75043 | AFLAC | $294 | $0 | $294 | 0.90% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT L CLARK | 5601 COUNTY RD 1450 LUBBOCK, TX 79407 | AFLAC | $213 | $0 | $213 | 0.65% |
| BILLIE J CLARK3 | 5601 COUNTY RD 1450 LUBBOCK, TX 79407 | AFLAC | $204 | $0 | $204 | 0.62% |
| GAY M HUNDLEY3 | 8796 FOREST CREEK LN ANNA, TX 75409 | AFLAC | $172 | $0 | $172 | 0.53% |
| KEVIN B BAILEY3 | 7105 WIND ROW DR MCKINNEY, TX 75070 | AFLAC | $152 | $0 | $152 | 0.47% |
| MARJORIE LYNN SAENZ3 | 6221 FIELDCREST LN SACHSE, TX 75048 | AFLAC | $150 | $0 | $150 | 0.46% |
| MICHAEL P SHEPARD3 | PO BOX 96 LAVON, TX 75166 | AFLAC | $131 | $0 | $131 | 0.40% |
| ANDERSON C THOMPSON3 | 4001 TRENT PINES DR NEW BERN, NC 28562 | AFLAC | $87 | $0 | $87 | 0.27% |
| CRAIG S DAVIES3 | 401 BOYD DR #5106 GRAPEVINE, TX 76051 | AFLAC | $72 | $0 | $72 | 0.22% |
| MATTHEW LEE CLARK3 | 4125 CAPISTRANO AVE LAS CRUCES, NM 88011 | AFLAC | $51 | $0 | $51 | 0.16% |
| FRANKLIN R DAVIES3 | 201 ROYAL ABERDEEN WAY MCKINNEY, TX 75072 | AFLAC | $47 | $0 | $47 | 0.14% |
| SCOTT WEBB3 | 26729 N 91ST DR PEORIA, AZ 85383 | AFLAC | $43 | $0 | $43 | 0.13% |
| KRISTY ANN MOOREHEAD3 | 300 WELCH DR ROYSE CITY, TX 75189 | AFLAC | $29 | $0 | $29 | 0.09% |
| PAUL DANIEL CHRISTIAN3 | 13904 CORTES DE PALLAS DR LITTLE ELM, TX 75068 | AFLAC | $29 | $0 | $29 | 0.09% |
| SUZANNE LEWIS3 | 7116 RIPLEY ST MCKINNEY, TX 75071 | AFLAC | $29 | $0 | $29 | 0.09% |
| DAVID FORD HARRISON3 | 829 DIVOT CIR BOWLING GREEN, KY 42104 | AFLAC | $28 | $0 | $28 | 0.09% |
| PAUL S TERRELL3 Filed as: PAUL TERRELL | 105 HAYESPORT LN COLLINSVILLE, TX 76233 | AFLAC | $26 | $0 | $26 | 0.08% |
| DOUGLAS E GILREATH3 | 2701 MACARTHUR BLVD #302 LEWISVILLE, TX 75067 | AFLAC | $24 | $0 | $24 | 0.07% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM C COVINGTON | 1750 WINDY HILL LN PROSPER, TX 75078 | AFLAC | $20 | $0 | $20 | 0.06% |
| ROBERT PERRY EVANS JR3 | 14422 COUNTY RD X MCLEAN, TX 79057 | AFLAC | $16 | $0 | $16 | 0.05% |
| MARCO JOE KLIMEK3 | 1501 LYNDON B JOHNSON FWY STE 660 DALLAS, TX 75234 | AFLAC | $9 | $0 | $9 | 0.03% |
| GARY C KLEIN3 | 3211 SAN SEBASTIAN DR CARROLLTON, TX 75006 | AFLAC | $9 | $0 | $9 | 0.03% |
| BARBARA ANN MCNAUGHTON3 | 4910 CORPORATE DR NW STE G HUNTSVILLE, AL 35805 | 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 | $4 | $0 | $4 | 0.01% |
| JOHN M JOHNSON3 | 2150 W NORTHWEST HWY STE 114-1144 GRAPEVINE, TX 76051 | AFLAC | $3 | $0 | $3 | 0.01% |
| SUZANNE LEWIS3 | 101 E PARK BLVD PLAM, TX 75074 | AFLAC | $3 | $0 | $3 | 0.01% |
| RICKY POLSER3 | 1210 COUNTY RD 4930 LEONARD, TX 75452 | AFLAC | $1 | $0 | $1 | 0.00% |
| DARON H PHILLIPS3 | 8690 FM 1979 MARTINDALE, TX 78655 | AFLAC | $1 | $0 | $1 | 0.00% |
| SHELLY WIEGAND3 | 2607 ARMATRADING DR CEDAR PARK, TX 78613 | AFLAC | $1 | $0 | $1 | 0.00% |
| ZACHARY K JOHNSON3 | 4447 N CENTRAL EXPY STE 110 DALLAS, TX 75205 | AFLAC | $1 | $0 | $1 | 0.00% |
| INDEPENDENT SCHOOL MANAGEMENT3 | 1316 N UNION ST WILMINGTON, DE 19806 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 15.00% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | HM LIFE INSURANCE COMPANY | $952 | $0 | $952 | 10.00% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $537 | $0 | $537 | 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 | 115 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY | 66 | $34K |
| Vision | HM LIFE INSURANCE COMPANY | 109 | $10K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 142 | $66K |
| Short-term disability | AFLAC | 34 | $33K |
| Other(3 contracts, 3 carriers) | AFLAC | 131 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 142 | — |
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.