| 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 | UNITEDHEALTHCARE INSURANCE COMPANY | $10K | $0 | $10K | 12.00% |
| TRUENORTH COMPANIES LC3 | 500 1ST ST SE CEDAR RAPIDS, IA 52401 | UNITEDHEALTHCARE INSURANCE COMPANY | $9K | $0 | $9K | 13.73% |
| DEIRDRE A GIBSON3 | 6403 GENSTAR LN DALLAS, TX 75252 | AFLAC | $1K | $18 | $1K | 2.73% |
| MARSHALL R BERKLEY3 | 12317 HUNTERS CROSSING LN BURLESON, TX 76028 | AFLAC | $845 | $0 | $845 | 1.60% |
| SHELLY WIEGAND3 | 2607 ARMATRADING DR CEDAR PARK, TX 78613 | AFLAC | $362 | $0 | $362 | 0.68% |
| DAVID M COUGHLIN3 | 2229 WHITE MIST DR LAS VEGAS, NV 89134 | AFLAC | $339 | $0 | $339 | 0.64% |
| HOMER J CORTEZ3 | 5406 WILLOW LN COLLEYVILLE, TX 76034 | AFLAC | $294 | $0 | $294 | 0.56% |
| LAUREN ASHLEY GIBSON3 | 6403 GENSTAR LN DALLAS, TX 75252 | AFLAC | $282 | $0 | $282 | 0.53% |
| CRAIG S DAVIES3 | 531 SANDY LN FLOWER MOUND, TX 75022 | AFLAC | $238 | $0 | $238 | 0.45% |
| MAURICIO R PLATT3 | 11839 STEPHENVILLE DR FRISCO, TX 75035 | AFLAC | $210 | $0 | $210 | 0.40% |
| T ALLEN HOWDESHELL3 | 1405 SHANNAN CIR APT 103 GRANBURY, TX 76048 | AFLAC | $105 | $0 | $105 | 0.20% |
| ROSANNA SINGH3 | 3103 HECTOR DR EL PASO, TX 79935 | AFLAC | $98 | $0 | $98 | 0.19% |
| LOGAN CHEADLE3 | 5632 EVERGLADE RD DALLAS, TX 75227 | AFLAC | $79 | $4 | $83 | 0.16% |
| CHRISTINA LOUISE ALMANZA3 | 2001 RODGERS LN AUBREY, TX 76227 | AFLAC | $53 | $0 | $53 | 0.10% |
| MARCO JOE KLIMEK3 | 5729 LEBANON RD STE 144590 FRISCO, TX 75034 | AFLAC | $50 | $0 | $50 | 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 | 273 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 277 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 265 | $86K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 265 | $86K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 420 | $64K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 420 | $64K |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 420 | $117K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 420 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.