| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $42K | $42K | 2.85% |
| GBC BENEFITS LTD3 | 3221 COLLINSWORTH ST FORT WORTH, TX 76107 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $5K | $5K | 0.35% |
| GUS BATES INSURANCE3 Filed as: GUS S BATES JR | 3221 COLLINSWORTH ST FORT WORTH, TX 76107 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $2K | $2K | 0.15% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | DEARBORN LIFE INSURANCE COMPANY | $14K | $0 | $14K | 15.00% |
| GIS BENEFITS INC3 | 107 CANDLELIGHT LN MORRIS, IL 60450 | DEARBORN LIFE INSURANCE COMPANY | $0 | $6K | $6K | 6.00% |
| GBC BENEFITS LTD3 | 2409 FOREST PARK BLVD FORT WORTH, TX 76110 | TRANSAMERICA LIFE INSURANCE COMPANY | $30K | $0 | $30K | 74.79% |
| VOLUNTARY BENEFITS AT WORK3 | 2121 NEWMARKET PKWY SE STE 100 MARIETTA, GA 30067 | TRANSAMERICA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 14.96% |
| JAMES SNOW3 Filed as: JAMES B WEST | 1701 BASS RD STE 200 MACON, GA 31210 | TRANSAMERICA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 9.97% |
| GBC BENEFITS LTD3 | 3221 COLLINSWORTH ST FORT WORTH, TX 76107 | TRUSTMARK INSURANCE COMPANY | $4K | $0 | $4K | 11.49% |
| GBC BENEFITS LTD3 | 3221 COLLINSWORTH ST FORT WORTH, TX 76107 | TRUSTMARK INSURANCE COMPANY | $5K | $0 | $5K | 13.94% |
| STEVEN WOOD3 | 25635 WEIGELA SAN ANTONIO, TX 78261 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $3K | $6K | 15.21% |
| CONNIE R FOX3 | PO BOX 87 PAIGE, TX 78659 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $754 | $0 | $754 | 2.01% |
| SA GENERAL AGENCY INC3 | 9385 MILLER LN GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $261 | $200 | $461 | 1.23% |
| JAMES MARK YOUNG3 | 6039 WHITBY RD #806 SAN ANTONIO, TX 78240 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $115 | $57 | $172 | 0.46% |
| MARIA DEL PADILLA3 | 148 STILL BROOK LN CIBOLO, TX 78108 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $156 | $0 | $156 | 0.42% |
| HECTOR LUGO LOPEZ3 | 4593 CO RD 69 ROBSTOWN, TX 78380 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $102 | $21 | $123 | 0.33% |
| DOUG BACON3 | 4107 APRIL DR ARLINGTON, TX 76016 | AFLAC | $2K | $0 | $2K | 6.33% |
| CHRISTOPHER D SNODDY3 | PO BOX 1074 GRANDVIEW, TX 76050 | AFLAC | $284 | $0 | $284 | 1.00% |
| JAMES TOWER3 | 2063 DRISKELL DR CORINTH, TX 76210 | AFLAC | $175 | $0 | $175 | 0.62% |
| AMY SNODDY3 Filed as: AMY M SNODDY | PO BOX 1074 GRANDVIEW, TX 76050 | AFLAC | $150 | $0 | $150 | 0.53% |
| DAVID M COUGHLIN3 | 2229 WHITE MIST DR LAS VEGAS, NV 89134 | AFLAC | $146 | $0 | $146 | 0.51% |
| PAUL DANIEL CHRISTIAN3 | 13904 CORTES DE PALLAS DR LITTLE ELM, TX 75068 | AFLAC | $84 | $0 | $84 | 0.30% |
| THOMAS G MONTGOMERY3 | PO BOX 231 CROWLEY, TX 76036 | AFLAC | $72 | $0 | $72 | 0.25% |
| LYNN HALE3 | 18 SONORA DR TROPHY CLUB, TX 76262 | AFLAC | $69 | $0 | $69 | 0.24% |
| KATHY J JOHNSON3 | 4600 N 5TH ST MCALLEN, TX 78504 | AFLAC | $67 | $0 | $67 | 0.24% |
| GBC BENEFITS LTD3 | 3221 COLLINSWORTH ST FORT WORTH, TX 76107 | TRUSTMARK INSURANCE COMPANY | $3K | $0 | $3K | 13.81% |
| MICHELE E. SELLORS3 Filed as: MICHELE SELLORS | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $457 | $0 | $457 | 6.96% |
| JEFFERY TAL WEBB3 Filed as: JEFFERY SPLAWN | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $215 | $0 | $215 | 3.28% |
| BRITTANY LLOYD3 Filed as: BRITTANY SPLAWN | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $56 | $0 | $56 | 0.85% |
| KENNETH C MEIER CORP3 Filed as: KENNETH KEITH | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $30 | $0 | $30 | 0.46% |
| JESSICA CHRISTINE LEARD3 Filed as: JESSICA MARTIN | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $9 | $0 | $9 | 0.14% |
| MATTHEW G BERGER3 Filed as: MATTHEW SKEMBO | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $6 | $0 | $6 | 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 | 213 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | 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) | UNITED HEALTHCARE INSURANCE COMPANY | 444 | $1.5M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 444 | $1.5M |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 444 | $1.5M |
| Life insurance(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 218 | $137K |
| Other(7 contracts, 5 carriers) | DEARBORN LIFE INSURANCE COMPANY | 218 | $264K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 444 | — |
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.