| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SEAHORN AND HERRING INS. ASSOC., LL3 Filed as: SEAHORN & HERRING INSURANCE ASSOC | PO BOX 2480 SAN ANGELO, TX 76902 | HEALTH CARE SERVICE CORPORATION | $31K | $0 | $31K | 3.24% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | HEALTH CARE SERVICE CORPORATION | $12K | $0 | $12K | 1.23% |
| SEAHORN AND HERRING INS. ASSOC., LL3 Filed as: SEAHORN & HERRING INSURANCE ASSOC | PO BOX 2480 SAN ANGELO, TX 76902 | DEARBORN LIFE INSURANCE COMPANY | $16K | $0 | $16K | 12.04% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | DEARBORN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 2.46% |
| KENNETH W DOYLE3 | 2439 COLLEGE HILLS BLVD SAN ANGELO, TX 76904 | AFLAC | $3K | $73 | $4K | 9.74% |
| WILL CHANDLER DOYLE3 | 311 S ABE ST SAN ANGELO, TX 76903 | AFLAC | $604 | $0 | $604 | 1.65% |
| JOE EDMISTON3 Filed as: JOE M EDMISTON | 917 S ABE ST SAN ANGELO, TX 76903 | AFLAC | $475 | $0 | $475 | 1.30% |
| KIT CHAMBERS3 | 3934 MILLBROOK DR SAN ANGELO, TX 76904 | AFLAC | $417 | $17 | $434 | 1.19% |
| SHY LOWE MIDDLETON3 | 2265 INDUSTRIAL BLVD ABILENE, TX 79602 | AFLAC | $328 | $17 | $345 | 0.94% |
| T ALLEN HOWDESHELL3 | 1405 SHANNAN CIR #103 GRANBURY, TX 76048 | AFLAC | $119 | $0 | $119 | 0.33% |
| ADAM O MARQUEZ3 | 5411 43RD ST LUBBOCK, TX 79414 | AFLAC | $116 | $0 | $116 | 0.32% |
| STEVE WHITTEN3 | 7606 UNIVERSITY AVE STE D LUBBOCK, TX 79423 | AFLAC | $87 | $0 | $87 | 0.24% |
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 | 215 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 215 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICE CORPORATION | 204 | $943K |
| Dental | HEALTH CARE SERVICE CORPORATION | 204 | $943K |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 227 | $130K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 227 | $130K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 227 | $130K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 227 | $130K |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 227 | $166K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 227 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.