| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC. | 500 WEST 13TH STREET FORT WORTH, TX 76102 | BLUECROSS BLUESHIELD OF TEXAS | $61K | $3 | $61K | 5.29% |
| SEAHORN AND HERRING INSURANCE3 Filed as: SEAHORN & HERRING INS. ASS., LLP | UNKNOWN SAN ANGELO, TX 76903 | BLUECROSS BLUESHIELD OF TEXAS | $0 | $1K | $1K | 0.09% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC. | 500 WEST 13TH STREET FORT WORTH, TX 76102 | DEARBORN LIFE INSURANCE COMPANY | $20K | $0 | $20K | 14.42% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC. | 11700 KATY FREEWAY, SUITE 1100 HOUSTON, TX 77079 | DEARBORN LIFE INSURANCE COMPANY | $95 | $0 | $95 | 0.07% |
| KENNETH W DOYLE3 Filed as: KENNETH W. DOYLE | 917 SOUTH AVENUE SAN ANGELO, TX 76903 | AFLAC | $3K | $99 | $3K | 9.18% |
| WILL CHANDLER DOYLE3 | 311 SOUTH ABE STREET SAN ANGELO, TX 76903 | AFLAC | $588 | $0 | $588 | 1.66% |
| JOE EDMISTON3 Filed as: JOE M. EDMISTON | 914 SOUTH ABE STREET SAN ANGELO, TX 76903 | AFLAC | $468 | $0 | $468 | 1.32% |
| KIT CHAMBERS3 | 3934 MILLBROOK DRIVE SAN ANGELO, TX 76904 | AFLAC | $368 | $23 | $391 | 1.10% |
| SHY LOWE MIDDLETON3 | 105 WEST ANDERSON STREET BROWNWOOD, TX 76801 | AFLAC | $293 | $23 | $316 | 0.89% |
| ALLEN HOWDESHELL3 Filed as: T. ALLEN HOWDESHELL & OTHER AGENTS | 1405 SHANNAN CIRCLE, APARTMENT 103 GRANBURY, TX 76048 | AFLAC | $307 | $0 | $307 | 0.86% |
| ADAM O MARQUEZ3 Filed as: ADAM O. MARQUEZ | 5411 43RD STREET LUBBOCK, TX 79414 | AFLAC | $115 | $0 | $115 | 0.32% |
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 | 206 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 206 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 188 | $1.2M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 188 | $1.2M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 206 | $140K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 206 | $140K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 206 | $140K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 206 | $140K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 188 | $1.2M |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 206 | $176K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 206 | — |
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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.