| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | PO BOX 908 FORT WORTH, TX 76102 | HEALTH CARE SERVICE CORPORATION | $39K | $2K | $41K | 6.54% |
| GREGORY LAKE JONES3 | 1052 KENNSINGTON WAY ARGYLE, TX 76226 | AFLAC | $1K | $184 | $2K | 4.22% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | PO BOX 908 FORT WORTH, TX 76102 | AFLAC | $1K | $0 | $1K | 2.84% |
| CYNTHIA M WARREN3 | 4033 HOCKADAY DR DALLAS, TX 75229 | AFLAC | $713 | $0 | $713 | 1.82% |
| PATRICIA R ALDAPE3 | PO BOX 181515 ARLINGTON, TX 76096 | AFLAC | $267 | $119 | $386 | 0.98% |
| RENEE ARRIAGA3 | 509 SANDPIPER LN LAREDO, TX 78045 | AFLAC | $254 | $78 | $332 | 0.85% |
| ROSARION GARCIA3 | 4081 DEEP VALLEY DR DALLAS, TX 75244 | AFLAC | $240 | $71 | $311 | 0.79% |
| INNOVATIVE BENEFIT CONSULTANTS3 Filed as: MP INNOVATIVE SOLUTIONS INC | 2410 WYCON DR STE 103 WACO, TX 76712 | AFLAC | $275 | $0 | $275 | 0.70% |
| SUSAN W JONES3 | 1052 KENSINGTON CT ARGYLE, TX 76226 | AFLAC | $259 | $7 | $266 | 0.68% |
| GCG FINANCIAL LLC3 Filed as: SYLVIA LARA | 2735 WESTERN HILLS DR LANCASTER, TX 75146 | AFLAC | $178 | $48 | $226 | 0.58% |
| JEREMIAH D SMITH3 | 209 BARRINGTON LN LEWISVILLE, TX 75067 | AFLAC | $178 | $0 | $178 | 0.45% |
| CRAIG S DAVIES3 | 531 SANDY LN FLOWER MOUNT, TX 75022 | AFLAC | $172 | $0 | $172 | 0.44% |
| CUAHUTEMOC EQUIHUA-CARDENAS3 | 20260 WILLOW GLADE DR PILOT POINT, TX 76258 | AFLAC | $165 | $0 | $165 | 0.42% |
| ADRIAN GAMEZ3 | 2825 N STATE HIGHWAY 360 #1226 GRAND PRAIRIE, TX 75050 | AFLAC | $85 | $56 | $141 | 0.36% |
| VICTORIA EQUIHUA3 | 20260 WILLOW GLADE DR PILOT POINT, TX 76258 | AFLAC | $126 | $0 | $126 | 0.32% |
| CHRISTINA LEA SOLIS3 | 920 HIGH NOON DR HASLET, TX 76052 | AFLAC | $118 | $0 | $118 | 0.30% |
| KELLY KING WYSONG3 | 4516 CUMMINGS DR N RICHLAND HILLS, TX 78160 | AFLAC | $115 | $0 | $115 | 0.29% |
| GCG FINANCIAL LLC3 Filed as: SYLVIA LARA | 2736 WESTERN HILLS DR LANCASTER, TX 75146 | AFLAC | $68 | $47 | $115 | 0.29% |
| JOSHUA J CONTRERAS3 | 5330 DISCOVERY CREEK BLVD #6210 SPRING, TX 77386 | AFLAC | $109 | $0 | $109 | 0.28% |
| LINDA A LECIEJEWSKI3 | 1296 SEYMOUR DR FRISCO, TX 75033 | AFLAC | $66 | $25 | $91 | 0.23% |
| DOROTHY JEAN VICKERS3 | 6329 WRIGHT ARMSTRONG ST FORT WORTH, TX 76179 | AFLAC | $78 | $0 | $78 | 0.20% |
| WESTERMAYER AND ASSOCIATES LLC3 | 5432 MONTICELLO AVE DALLAS, TX 75206 | AFLAC | $74 | $0 | $74 | 0.19% |
| THE HORTON GROUP3 Filed as: KELLY E HORTON | 7340 BAKER BLVD STE 390 RICHLAND HILLS, TX 76118 | AFLAC | $63 | $8 | $71 | 0.18% |
| MITZI WALKER OWENS3 | 321 TANGLEWOOD DR WEATHERFORD, TX 76087 | AFLAC | $52 | $0 | $52 | 0.13% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | PO BOX 908 FORT WORTH, TX 76102 | DEARBORN LIFE INSURANCE COMPANY | $1K | $626 | $2K | 16.93% |
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 | 108 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICE CORPORATION | 100 | $620K |
| Dental | HEALTH CARE SERVICE CORPORATION | 100 | $620K |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 145 | $11K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 145 | $11K |
| Other(2 contracts, 2 carriers) | AFLAC | 145 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 145 | — |
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."
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.