| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STOOKSBERRY INSURANCE AGENCY LLC3 Filed as: STOOKSBERRY INS AGENCY LLC | PO BOX 451882 GARLAND, TX 75045 | AFLAC | $2K | $94 | $2K | 5.25% |
| ELIZABETH GAYLE LAWSON3 | 7450 HOLLY HILL DR #111 DALLAS, TX 75231 | AFLAC | $977 | $40 | $1K | 2.68% |
| MATTHEW PENCE3 | 329 OAKS TRL STE 211 GARLAND, TX 75043 | AFLAC | $880 | $19 | $899 | 2.37% |
| CAROLYN ANN MCLAUGHLIN3 | 639 E TRIPP RD SUNNYVALE, TX 75182 | AFLAC | $859 | $0 | $859 | 2.26% |
| KRISTY ANN MOOREHEAD3 | 300 WELCH DR ROYSE CITY, TX 75189 | AFLAC | $476 | $27 | $503 | 1.32% |
| T ALLEN HOWDESHELL3 Filed as: ALLEN V HUNDLEY | 8796 FOREST CREEK LN ANNA, TX 75409 | AFLAC | $281 | $0 | $281 | 0.74% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM C COVINGTON | 1750 WINDY HILL LN PROSPER, TX 75078 | AFLAC | $246 | $0 | $246 | 0.65% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT L CLARK | 5601 COUNTY RD 1450 LUBBOCK, TX 79407 | AFLAC | $208 | $0 | $208 | 0.55% |
| BILLIE J CLARK3 | 5601 COUNTY RD 1450 LUBBOCK, TX 79407 | AFLAC | $197 | $0 | $197 | 0.52% |
| JOSEPH MOOREHEAD3 | 300 WELCH DR ROYSE CITY, TX 75189 | AFLAC | $195 | $0 | $195 | 0.51% |
| GAY M HUNDLEY3 | 8796 FOREST CREEK LN ANNA, TX 75409 | AFLAC | $170 | $0 | $170 | 0.45% |
| KEVIN B BAILEY3 | 6200 BRWONSTONE DR MCKINNEY, TX 75070 | AFLAC | $150 | $0 | $150 | 0.39% |
| MICHAEL P SHEPARD3 | PO BOX 96 LAVON, TX 75166 | AFLAC | $128 | $0 | $128 | 0.34% |
| ANDERSON C THOMPSON3 | 4001 TRENT PINES DR NEW BERN, NC 28562 | AFLAC | $102 | $0 | $102 | 0.27% |
| CRAIG S DAVIES3 | 531 SANDY LN FLOWER MOUND, TX 75022 | AFLAC | $61 | $0 | $61 | 0.16% |
| MARJORIE LYNN SAENZ3 | 6221 FILEDCREST LN SACHSE, TX 75048 | AFLAC | $49 | $8 | $57 | 0.15% |
| MATTHEW LEE CLARK3 | 4125 CAPISTRANO AVE LAS CRUCES, NM 88011 | AFLAC | $51 | $0 | $51 | 0.13% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | AETNA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 6.84% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $518 | $6K | 19.89% |
| INDEPENDENT SCHOOL MANAGEMENT3 | 1316 N UNION ST WILMINGTON, DE 19806 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 13.98% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | HM LIFE INSURANCE COMPANY | $946 | $0 | $946 | 10.00% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $459 | $41 | $500 | 19.78% |
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 | 99 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 99 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY | 66 | $33K |
| Vision | HM LIFE INSURANCE COMPANY | 108 | $9K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 137 | $70K |
| Short-term disability | AFLAC | 37 | $38K |
| Other(3 contracts, 3 carriers) | AFLAC | 126 | $66K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 137 | — |
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.