| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | PO BOX 908 FORT WORTH, TX 76101 | THE GUARDIAN LIFE INSURANCE COMPANY | $23K | $12K | $35K | 16.72% |
| GAY M HUNDLEY3 | 8796 FOREST CREEK LN ANNA, TX 75409 | AFLAC | $1K | $0 | $1K | 2.39% |
| TIFFANY KINDLE MILLER3 | 1600 BOXWOOD LN WYLIE, TX 75098 | AFLAC | $848 | $0 | $848 | 1.56% |
| JUDY ELLEN BROTMAN3 | 9045 STONE CREEK PL DALLAS, TX 75243 | AFLAC | $609 | $0 | $609 | 1.12% |
| HENRY J ROTH3 | 297 NEW SHACKLE ISLAND RD HENDERSONVILLE, TN 37075 | AFLAC | $546 | $0 | $546 | 1.01% |
| KEVIN L KYLE3 | 507 N SAM HOUSTON PKWY E STE 100 HOUSTON, TX 77060 | AFLAC | $347 | $0 | $347 | 0.64% |
| LINDA A LECIEJEWSKI3 | 1296 SEYMOUR DR FRISCO, TX 75033 | AFLAC | $295 | $0 | $295 | 0.54% |
| JOSEPH B WEBB3 | 5200 MUSTANG TRL PLANO, TX 75093 | AFLAC | $277 | $0 | $277 | 0.51% |
| JOHN A DONALDSON3 | 2004 98 PALMS BLVD UNIT 4336 DESTIN, FL 32541 | AFLAC | $277 | $0 | $277 | 0.51% |
| T ALLEN HOWDESHELL3 Filed as: ALLEN V HUNDLEY | 8796 FOREST CREEK LN ANNA, TX 75409 | AFLAC | $228 | $0 | $228 | 0.42% |
| KRISTY ANN MOOREHEAD3 | 300 WELCH DR ROYSE CITY, TX 75189 | AFLAC | $221 | $0 | $221 | 0.41% |
| CLARENCE E (GENE) DANNELLY3 | 20110 AMBERVINE CIRCLE KATY, TX 77450 | AFLAC | $146 | $0 | $146 | 0.27% |
| KEVIN B BAILEY3 | 6200 BROWNSTONE DR MCKINNEY, TX 75070 | AFLAC | $123 | $0 | $123 | 0.23% |
| EDWARD R LETTIERI3 | 738 QUAPAW AVE HOT SPRINGS, AR 71901 | AFLAC | $122 | $0 | $122 | 0.22% |
| LORI J THOMPSON3 | 1319 W MAIN ST UNIT 6 GUN BARREL CITY, TX 75156 | AFLAC | $71 | $0 | $71 | 0.13% |
| JOHN KUNZ3 Filed as: JOHN M KUNZ | 17300 N DALLAS PKWY STE 1045 ADDISON, TX 75248 | AFLAC | $67 | $0 | $67 | 0.12% |
| STOOKSBERRY INSURANCE AGENCY LLC3 | 7007 PARK HILL TRL SACHSE, TX 75048 | AFLAC | $64 | $0 | $64 | 0.12% |
| TERRY R LOWERY3 | 5320 SPRING RIDGE DR E MACUNGIE, PA 18062 | AFLAC | $59 | $0 | $59 | 0.11% |
| JOSEPH MOOREHEAD3 | 300 WELCH DR ROYSE CITY, TX 75189 | AFLAC | $55 | $0 | $55 | 0.10% |
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 | 198 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 198 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY | 194 | $207K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY | 194 | $207K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY | 194 | $207K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY | 194 | $262K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 194 | — |
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.