| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | PO BOX 908 FORT WORTH, TX 76101 | HEALTHCARE SERVICE CORPORATION | $82K | $11K | $93K | 4.97% |
| DANIEL MCCHURCH3 | 419 BLAIR LANE LEBANON, TN 37087 | AFLAC | $15K | $89 | $15K | 8.94% |
| MATTHEW TATE BARNETT3 | 224 SPIRIT HILL CIRCLE SMYRNA, TN 37167 | AFLAC | $5K | $127 | $5K | 2.95% |
| KASSIE WARREN3 | 254 MULLINS HOLLOW ROAD FAYETTEVILLE, TN 37064 | AFLAC | $3K | $0 | $3K | 1.91% |
| HEATHER BRYANT3 Filed as: HEATHER L BRYANT | 4239 PEYTONSVILLE TRINITY ROAD FRANKLIN, TN 37064 | AFLAC | $3K | $0 | $3K | 1.63% |
| TIMOTHY CHAPPELL3 | 522 ROCK SPRINGS ROAD WATERTOWN, TN 37184 | AFLAC | $2K | $0 | $2K | 1.12% |
| NOLAN DOYLE MCCUE3 | 242 HERITAGE PARK DR, STE. 108 MURFREESBURO, TN 37129 | AFLAC | $1K | $43 | $1K | 0.79% |
| RAYMON GERARD SCHWEIGER3 | 107 CEDAR WAY DRIVE LEBENON, TN 37087 | AFLAC | $616 | $0 | $616 | 0.36% |
| MITCHELL MCCHURCH3 | 419 BLAIR LANE LEBANON, TN 37087 | AFLAC | $407 | $0 | $407 | 0.24% |
| DOUG BACON3 | 9007 BEAUVOIR CT GRANBURY, TX 76049 | AFLAC | $387 | $0 | $387 | 0.23% |
| BELINDA PICKEL3 Filed as: BELINDA B PICKEL | 113 W WYNCREST CT HENDERSONVILE, TN 37075 | AFLAC | $289 | $0 | $289 | 0.17% |
| DAVID M COUGHLIN3 | 1400 SUN COPPER DR LAS VEGAS, NV 89117 | AFLAC | $69 | $0 | $69 | 0.04% |
| NOLAN DOYLE MCCUE3 Filed as: NOLAN DOWLE MCCUE | 242 HERITAGE PARK DR, STE. 108 MURFREESBORO, TX 37129 | AFLAC | $68 | $0 | $68 | 0.04% |
| JOHN R BRASEL3 | 118 ALLE AVE MOOREVILLE, MS 38857 | AFLAC | $50 | $0 | $50 | 0.03% |
| JAMES TOWER | 2063 DRISKELL DR CORINTH, TX 76210 | AFLAC | — | — | $0 | 0.00% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | PO BOX 908 FORT WORTH, TX 76101 | ARMADA CARE | $2K | $0 | $2K | 1.54% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | PO BOX 908 FORT WORTH, TX 76101 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $1K | $0 | $1K | 9.66% |
| MEMBERSHIP CATALYTIC, INC.3 | 3125 MARQUITA DR FORT WORTH, TX 76116 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $615 | $0 | $615 | 5.71% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | PO BOX 908 FORT WORTH, TX 76101 | DEARBORN LIFE INSURANCE COMPANY | $19K | $2K | $22K | — |
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 | 184 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 185 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHCARE SERVICE CORPORATION | 286 | $1.9M |
| Dental | HEALTHCARE SERVICE CORPORATION | 286 | $1.9M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 192 | $0 |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 192 | $0 |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 192 | $0 |
| Other(4 contracts, 4 carriers) | AFLAC | 192 | $298K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 286 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.