| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRUENORTH COMPANIES LC3 | 500 1ST SE CEDAR RAPIDS, IA 52401 | UNITED HEALTHCARE INSURANCE COMPANY | $5K | $0 | $5K | 6.02% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC. | PO BOX 908 FORT WORTH, TX 76101 | UNITED HEALTHCARE INSURANCE COMPANY | $4K | $0 | $4K | 4.77% |
| TRUENORTH COMPANIES LC3 | 500 1ST SE CEDAR RAPIDS, IA 52401 | UNITED HEALTH CARE INSURANCE COMPANY | $10K | $0 | $10K | 15.92% |
| DEIRDRE A GIBSON3 | 6403 GENSTAR LN DALLAS, TX 75252 | AFLAC | $2K | $0 | $2K | 2.80% |
| MARSHALL R BERKLEY3 | 12317 HUNTERS CROSSING LN BURLESON, TX 76028 | AFLAC | $989 | $0 | $989 | 1.67% |
| LAUREN ASHLEY GIBSON3 | 6403 GEMSTAR LN DALLAS, TX 75252 | AFLAC | $517 | $0 | $517 | 0.87% |
| SHELLY WIEGAND3 | 2607 ARMATRADING DR CEDAR PARK, TX 78613 | AFLAC | $434 | $0 | $434 | 0.73% |
| DAVID M COUGHLIN3 | 229 WHITE MIST DR LAS VEGAS, NV 89134 | AFLAC | $373 | $0 | $373 | 0.63% |
| HOMER J CORTEZ3 | 1612 FOREST BEND LN KELLER, TX 76248 | AFLAC | $353 | $0 | $353 | 0.59% |
| CRAIG S DAVIES3 | 531 SANDY LN FLOWER MOUND, TX 75022 | AFLAC | $291 | $0 | $291 | 0.49% |
| MAURICIO R PLATT3 | 11839 STEPHENVILLE DR FRISCO, TX 75035 | AFLAC | $265 | $0 | $265 | 0.45% |
| T ALLEN HOWDESHELL3 | 1405 SHANNAN CIR, UNIT 103 GRANBURY, TX 76048 | AFLAC | $108 | $0 | $108 | 0.18% |
| LOGAN CHEADLE3 | 5632 EVERGLADE RD DALLAS, TX 75227 | AFLAC | $97 | $0 | $97 | 0.16% |
| ROSANNA SINGH3 | 11120 CUTTY SARK DR EL PASO, TX 79936 | AFLAC | $57 | $0 | $57 | 0.10% |
| CHRISTINA LOUISE ALMANZA3 | 2001 RODGERS LN AUBREY, TX 76227 | AFLAC | $53 | $0 | $53 | 0.09% |
| MARCO JOE KLIMEK3 | 1501 LYNDON B JOHNSON FWY, STE 660 DALLAS, TX 75234 | AFLAC | $51 | $0 | $51 | 0.09% |
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 | 146 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 247 | $81K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 247 | $81K |
| Life insurance | UNITED HEALTH CARE INSURANCE COMPANY | 367 | $62K |
| Long-term disability | UNITED HEALTH CARE INSURANCE COMPANY | 367 | $62K |
| Other(2 contracts, 2 carriers) | UNITED HEALTH CARE INSURANCE COMPANY | 367 | $122K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 367 | — |
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.