| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STOOKSBERRY INSURANCE AGENCY LLC3 | PO BOX 451882 GARLAND, TX 75045 | AFLAC | $2K | $65 | $2K | 5.55% |
| ELIZABETH GAYLE LAWSON3 | 7450 HOLLY HILL DR APT 111 DALLAS, TX 75231 | AFLAC | $757 | $0 | $757 | 2.10% |
| LORI J THOMPSON3 | 1319 W MAIN ST UNIT 6 GUN BARREL CITY, TX 75156 | AFLAC | $329 | $26 | $355 | 0.99% |
| CAROLYN ANN MCLAUGHLIN3 | 639 E TRIPP RD SUNNYVALE, TX 75182 | AFLAC | $226 | $44 | $270 | 0.75% |
| LINDA A LECIEJEWSKI3 | 1296 SEYMOUR DR FRISCO, TX 75033 | AFLAC | $218 | $0 | $218 | 0.61% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM C COVINGTON | 1750 WINDY HILL LN PROSPER, TX 75078 | AFLAC | $211 | $0 | $211 | 0.59% |
| BILLIE J CLARK3 | 5601 COUNTY ROAD 1450 LUBBOCK, TX 79407 | AFLAC | $201 | $0 | $201 | 0.56% |
| MATTHEW PENCE3 | 1185 WATERSCAPE BLVD ROYSE CITY, TX 75189 | AFLAC | $199 | $0 | $199 | 0.55% |
| T ALLEN HOWDESHELL3 Filed as: ALLEN V HUNDLEY | 8796 FOREST CREEK LN ANNA, TX 75409 | AFLAC | $199 | $0 | $199 | 0.55% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT L CLARK | 5601 COUNTY ROAD 1450 STE F LUBBOCK, TX 79407 | AFLAC | $177 | $0 | $177 | 0.49% |
| KRISTY ANN MOOREHEAD3 | 300 WELCH DR ROYCE CITY, TX 75189 | AFLAC | $148 | $0 | $148 | 0.41% |
| GAY M HUNDLEY3 | 8769 FOREST CREEK LN ANNA, TX 75409 | AFLAC | $148 | $0 | $148 | 0.41% |
| JOHN KUNZ3 Filed as: JOHN M KUNZ | 17300 N DALLAS PKWY STE 1045 ADDISON, TX 75248 | AFLAC | $108 | $28 | $136 | 0.38% |
| KEVIN BAILEY3 | 6200 BROWNSTONE DR MCKINNEY, TX 75070 | AFLAC | $122 | $0 | $122 | 0.34% |
| MICHAEL P SHEPARD3 | PO BOX 96 LAVON, TX 75166 | AFLAC | $117 | $0 | $117 | 0.32% |
| SUSAN G STOOKSBERRY3 | PO BOX 451882 GARLAND, TX 75045 | AFLAC | $103 | $0 | $103 | 0.29% |
| ANDERSON C THOMPSON3 | 4001 TRENT PINES DR NEW BERN, NC 28562 | AFLAC | $78 | $0 | $78 | 0.22% |
| CRAIG S DAVIES3 | 531 SANDY LN FLOWER MOUND, TX 75022 | AFLAC | $67 | $0 | $67 | 0.19% |
| JOSEPH MOOREHEAD3 | 300 WELCH DR ROYSE CITY, TX 75189 | AFLAC | $62 | $0 | $62 | 0.17% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $0 | $7K | 20.00% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | AETNA LIFE INSURANCE CO. | $2K | $0 | $2K | 7.39% |
| INDEPENDENT SCHOOL MANAGEMENT3 | 1316 N UNION ST WILMINGTON, DE 19806 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 15.06% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | METROPOLITAN LIFE INSURANCE COMPANY | $857 | $0 | $857 | 10.00% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $538 | $0 | $538 | 18.32% |
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 | 97 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 98 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE CO. | 84 | $27K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 158 | $9K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 111 | $38K |
| Other(4 contracts, 3 carriers) | AFLAC | 122 | $98K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 158 | — |
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.