| 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 | $7K | $681 | $8K | 21.82% |
| STOOKBERRY INSURANCE AGENCY LLC3 Filed as: STOOKBERRY INSURANCE LLC | 7007 PARK HILL TRL SACHSE, TX 75048 | AFLAC | $2K | $8 | $2K | 4.59% |
| ELIZABETH GAYLE LAWSON3 | 7450 HOLLY HILL DR APT 111 DALLAS, TX 75231 | AFLAC | $766 | $0 | $766 | 2.27% |
| LORI J THOMPSON3 | 1319 W MAIN ST UNIT 6 GUN BARREL CITY, TX 75156 | AFLAC | $296 | $2 | $298 | 0.88% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM C COVINGTON | 1750 WINDY HILL LN PROSPER, TX 75078 | AFLAC | $226 | $0 | $226 | 0.67% |
| BILLY J CLARK3 | 5601 COUNTY ROAD 1450 LUBBOCK, TX 79407 | AFLAC | $219 | $0 | $219 | 0.65% |
| T ALLEN HOWDESHELL3 Filed as: ALLEN V HUNDLEY | 8796 FOREST CREEK LN ANNA, TX 75409 | AFLAC | $208 | $0 | $208 | 0.62% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT L CLARK | 5601 COUNTY ROAD 1450 STE F LUBBOCK, TX 79407 | AFLAC | $199 | $0 | $199 | 0.59% |
| LINDA A LECIEJEWSKI3 | 1296 SEYMOUR DR FRISCO, TX 75033 | AFLAC | $165 | $2 | $167 | 0.49% |
| GAY M HUNDLEY3 | 8796 FOREST CREEK LN ANNA, TX 75409 | AFLAC | $151 | $0 | $151 | 0.45% |
| CAROLYN ANN MCLAUGHLIN3 | 639 E TRIPP RD SUNNYVALE, TX 75182 | AFLAC | $147 | $0 | $147 | 0.44% |
| MATTHEW PENCE3 Filed as: MATTHEW A PENCE | 1185 WATERSCAPE BLVD ROYSE CITY, TX 75189 | AFLAC | $127 | $0 | $127 | 0.38% |
| KEVIN B BAILEY3 | 6200 BROWNSTONE DR MCKINNEY, TX 75070 | AFLAC | $112 | $0 | $112 | 0.33% |
| MICHAEL P SHEPARD3 | PO BOX 96 LAVON, TX 75166 | AFLAC | $108 | $0 | $108 | 0.32% |
| KRISTY ANN MOOREHEAD3 | 300 WELCH DR ROYSE CITY, TX 75189 | AFLAC | $92 | $0 | $92 | 0.27% |
| ANDERSON C THOMPSON3 | 4001 TRENT PINES DR NEW BERN, NC 28562 | AFLAC | $92 | $0 | $92 | 0.27% |
| JOHN KUNZ3 Filed as: JOHN M KUNZ | 17300 N DALLAS PWKY STE 1045 ADDISON, TX 75248 | AFLAC | $86 | $0 | $86 | 0.25% |
| CRAIG S DAVIES3 | 531 SANDY LN FLOWER MOUND, TX 75022 | AFLAC | $69 | $0 | $69 | 0.20% |
| MATTHEW LEE CLARK3 | 920 COUNTY ROAD 1 WILSON, TX 79381 | AFLAC | $51 | $0 | $51 | 0.15% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC | PO BOX 908 FORT WORTH, TX 76101 | AETNA LIFE INSURANCE CO. | $2K | $0 | $2K | 8.27% |
| INDEPENDT SCHOOL MANAGEMENT3 | 1316 N UNION ST WILMINGTON, DE 19806 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 16.09% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC | PO BOX 908 FORT WORTH, TX 76101 | METROPOLITAN LIFE INSURANCE COMPANY | $761 | $0 | $761 | 9.99% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC | PO BOX 908 FORT WORTH, TX 76101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $581 | $54 | $635 | 21.87% |
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 | 105 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 107 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE CO. | 81 | $25K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 158 | $8K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 179 | $37K |
| Other(3 contracts, 3 carriers) | AFLAC | 165 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 179 | — |
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.