| 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 | HEALTH CARE SERVICE CORPORATION | $81K | $6K | $87K | 4.64% |
| DANIEL MCCHURCH | 1605 JACKSON RD MOUNT JULIET, TN 37122 | AFLAC | $19K | $625 | $19K | 9.48% |
| MATTHEW TATE BARNETT3 | 224 SPIRIT HILL CIR SMYRNA, TN 37167 | AFLAC | $6K | $353 | $6K | 3.02% |
| BRIAN K. MCCALL Filed as: BRIAN K MCCALL | 24 CROSSPARK DR MANCHESTER, TN 37355 | AFLAC | $2K | $0 | $2K | 1.00% |
| KASSIE WARREN | 254 MULLINS HOLLOW RD FAYETTEVILLE, TN 37334 | AFLAC | $1K | $241 | $2K | 0.84% |
| TIMOTHY CHAPPELL | 522 ROCK SPRINGS RD WATERTOWN, TN 37129 | AFLAC | $1K | $275 | $2K | 0.84% |
| NOLAN DOYLE MCCUE | 242 HERTITAGE PARK DR STE 108 MURFREESBORO, TN 37129 | AFLAC | $1K | $0 | $1K | 0.63% |
| HEATHER BRYANT | 4239 PEYTONVILLE TRINITY RD FRANKLIN, TN 37064 | AFLAC | $774 | $252 | $1K | 0.50% |
| DOUG BACON | 9007 BEAUVOIR CT GRANBURY, TX 76049 | AFLAC | $436 | $0 | $436 | 0.21% |
| MITCHELL MCCHURCH | 1605 JACKSON RD MOUNT JULIET, TN 37122 | AFLAC | $362 | $0 | $362 | 0.18% |
| RAYMOND GERARD SCHWEIGER | 107 CEDAR WAY DR LEBANON, TN 37087 | AFLAC | $144 | $15 | $159 | 0.08% |
| JAMES E WOOD | 123 SPRINGFIELD DR LEBANON, TN 37087 | AFLAC | $140 | $0 | $140 | 0.07% |
| BELLINDA B PICKEL | 113 WYNCREST CT HENDERSONVILLE, TN 37075 | AFLAC | $134 | $0 | $134 | 0.07% |
| DAVID M COUGHLIN | 1400 SUN COPPER DR LAS VEGAS, NV 89117 | AFLAC | $78 | $0 | $78 | 0.04% |
| JAMES TOWER | 2063 DRSKELL DR CORNITH, TX 76210 | AFLAC | $70 | $0 | $70 | 0.03% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC | PO BOX 908 FORT WORTH, TX 76101 | DEARBORN LIFE INSURANCE COMPANY | $24K | $3K | $26K | 13.25% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC | PO BOX 908 FORT WORTH, TX 76101 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $2K | $0 | $2K | 9.83% |
| MEMBERSHIP CATALYTIC, INC.3 Filed as: MEMBERSHIP CATALYTIC INC | 3125 MARQUITA DR FORT WORTH, TX 76116 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $1K | $0 | $1K | 8.58% |
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 | 145 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICE CORPORATION | 281 | $1.9M |
| Dental | HEALTH CARE SERVICE CORPORATION | 281 | $1.9M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 182 | $200K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 182 | $200K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 182 | $200K |
| Other(3 contracts, 3 carriers) | AFLAC | 182 | $421K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 281 | — |
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.