| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STOOKSBERRY INSURANCE AGENCY LLC3 | PO BOX 451882 GARLAND, TX 75045 | AFLAC | $2K | $0 | $2K | 3.64% |
| ELIZABETH GAYLE LAWSON3 | 7450 HOLLY HILL DR #111 DALLAS, TX 75231 | AFLAC | $923 | $0 | $923 | 2.17% |
| CAROLYN ANN MCLAUGHLIN3 | 629 E TRIPP RD SUNNYVALE, TX 75182 | AFLAC | $667 | $0 | $667 | 1.57% |
| JOHN KUNZ3 Filed as: JOHN M KUNZ | 8100 LIBERTY GROVE RD STE 400 ROWLETT, TX 75089 | AFLAC | $356 | $0 | $356 | 0.84% |
| T ALLEN HOWDESHELL3 Filed as: ALLEN V HUNDLEY | 8796 FOREST CREEK LN ANNA, TX 75409 | AFLAC | $272 | $0 | $272 | 0.64% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM C COVINGTON | 1750 WINDY HILL LN PROSPER, TX 75078 | AFLAC | $265 | $0 | $265 | 0.62% |
| MATTHES A PENCE3 | 1185 WATERSCAPE BLVD ROYSE CITY, TX 75189 | AFLAC | $255 | $0 | $255 | 0.60% |
| BILLIE J CLARK3 | 5601 COUNTY ROAD 1450 LUBBOCK, TX 79407 | AFLAC | $238 | $0 | $238 | 0.56% |
| LORI J THOMPSON3 | 1600 PRESIDENT GEORGE BUSH HWY #6101 ROWLETT, TX 75088 | AFLAC | $227 | $0 | $227 | 0.53% |
| KRISTY ANN MOOREHEAD3 | 300 WELCH DR ROYSE CITY, TX 75189 | AFLAC | $225 | $0 | $225 | 0.53% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT L CLARK | 5601 COUNTY ROAD 1450 STE F LUBBOCK, TX 79407 | AFLAC | $210 | $0 | $210 | 0.49% |
| GAY M HUNDLEY3 | 8796 FOREST CREEK LN ANNA, TX 75409 | AFLAC | $176 | $0 | $176 | 0.41% |
| KEVIN B BAILEY3 | 6200 BROWNSTONE DR MCKINNEY, TX 75070 | AFLAC | $146 | $0 | $146 | 0.34% |
| MICHAEL P SHEPARD3 | PO BOX 96 LAVON, TX 75166 | AFLAC | $139 | $0 | $139 | 0.33% |
| ANDERSON C THOMPSON3 | 4001 TRENT PINES DR NEW BERN, NC 28562 | AFLAC | $92 | $0 | $92 | 0.22% |
| CRAIG S DAVIES3 | 531 SANDY LN FLOWER MOUND, TX 75022 | AFLAC | $79 | $0 | $79 | 0.19% |
| JOSEPH MOOREHEAD3 | 300 WELCH DR ROYSE CITY, TX 75189 | AFLAC | $74 | $0 | $74 | 0.17% |
| MATTHEW LEE CLARK3 | 4125 CAPISTRANO AVE LAS CRUCES, NM 88011 | AFLAC | $55 | $0 | $55 | 0.13% |
| SCOTT WEBB3 | 26729 N 91ST DR PEORIA, AZ 85383 | AFLAC | $47 | $0 | $47 | 0.11% |
| FRANKLIN R DAVIES3 | 201 ROYAL ABERNEEN WAY MCKINNEY, TX 75072 | AFLAC | $44 | $0 | $44 | 0.10% |
| MARJORIE LYNN SAENZ3 | 6221 FIELDCREST LN SACHSE, TX 75048 | AFLAC | $41 | $0 | $41 | 0.10% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $614 | $8K | 21.66% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | AETNA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 7.34% |
| INDEPENDENT SCHOOL MANAGEMENT3 | 1316 N UNION ST WILMINGTON, DE 19806 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 14.51% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | HM LIFE INSURANCE COMPANY | $827 | $0 | $827 | 9.99% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $499 | $47 | $546 | 20.10% |
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 | 96 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 97 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY | 50 | $22K |
| Vision | HM LIFE INSURANCE COMPANY | 105 | $8K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 99 | $79K |
| Short-term disability | AFLAC | 35 | $42K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 102 | $16K |
| Other(2 contracts, 2 carriers) | AFLAC | 99 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 105 | — |
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.