| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $54K | $30K | $84K | 15.51% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE NAVIGATOR LLC | 7979 OLD GEORGETOWN RD STE 300 BETHESDA, MD 20814 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.25% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $12K | $0 | $12K | 3.61% |
| TEXAS AUTO DEALERS ASSOCIATION3 | ATTN CHUCK PRICE AUSTIN, TX 78701 | AMERICAN FIDELITY ASSURANCE COMPANY | $0 | $8K | $8K | 2.30% |
| TEXAS AUTO DEALERS ASSOCIATION3 | ATTN CHUCK PRICE AUSTIN, TX 78701 | AMERICAN FIDELITY ASSURANCE COMPANY | $0 | $5K | $5K | 2.70% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $2K | $0 | $2K | 1.27% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $4K | $0 | $4K | 3.20% |
| TEXAS AUTO DEALERS ASSOCIATION3 | ATTN CHUCK PRICE AUSTIN, TX 78701 | AMERICAN FIDELITY ASSURANCE COMPANY | $0 | $3K | $3K | 2.56% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | EYE MED | $8K | $0 | $8K | 9.12% |
| TEXAS AUTO DEALERS ASSOCIATION3 | ATTN CHUCK PRICE AUSTIN, TX 78701 | AMERICAN FIDELITY ASSURANCE COMPANY | $0 | $2K | $2K | 2.05% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $1K | $0 | $1K | 1.60% |
| LISA ANN MONTALBANO3 | 3942 BAYSHORE BLVD NE ST PETERSBURG, FL 33703 | AFLAC | $4K | $686 | $5K | 5.39% |
| CLEAR LIGHT SERVICES LLC3 | 2751 CHALLENGER DR PALM HARBOR, FL 34683 | AFLAC | $3K | $26 | $3K | 3.24% |
| SEAN E MORRES3 | 4809 EHRLICH RD TAMPA, FL 33624 | AFLAC | $1K | $77 | $1K | 1.71% |
| GROVE FINANCIAL LLC3 | 4502 GLENBROOK DR PALM HARBOR, FL 34683 | AFLAC | $936 | $40 | $976 | 1.16% |
| MARY TERESA DAVIS3 | 2751 CHALLENGER DR PALM HARBOR, FL 34683 | AFLAC | $745 | $0 | $745 | 0.89% |
| MATTHEW SHANE STRONG3 | 3860 COLONIAL BLVD STE 200 FORT MYERS, FL 33966 | AFLAC | $624 | $66 | $690 | 0.82% |
| DAVID JOHN MCDANIEL3 | 1154 44TH AVE NE SAINT PETERSBURG, FL 33703 | AFLAC | $647 | $0 | $647 | 0.77% |
| KJG ENTERPRISES INC3 | 13001 SHERIDAN DR HUDSON, FL 34667 | AFLAC | $517 | $0 | $517 | 0.62% |
| BETH LUANNE KIMBROUGH3 | 6750 N ANDREWS AVE STE 200 FT LAUDERDALE, FL 33309 | AFLAC | $326 | $0 | $326 | 0.39% |
| CHRISTOPHER GRAHAM3 | 4200 MCFARLAND BLVD UNIT 432 NORTHPORT, AL 36877 | AFLAC | $217 | $72 | $289 | 0.34% |
| KRYSTINA S EBERHART3 | 11097 PARKSIDE PRESERVE WAY JACKSONVILLE, FL 32257 | AFLAC | $238 | $0 | $238 | 0.28% |
| SUSAN C BRIMHALL3 | PO BOX 336 SMITHS STATION, AL 36877 | AFLAC | $212 | $0 | $212 | 0.25% |
| RAVONE MARVELLE GRAHAM3 | 23972 OLD POMEGRANATE RD YORBA LINDA, CA 92887 | AFLAC | $177 | $0 | $177 | 0.21% |
| RAVONE MARVELLE GRAHAM3 | 7601 ARCADIA TRL FORT WORTH, TX 76137 | AFLAC | $169 | $0 | $169 | 0.20% |
| BRAUNWYNN B BRANDON3 | 16402 BRIDGELAWN AVE LITHIA, FL 33547 | AFLAC | $143 | $0 | $143 | 0.17% |
| KATHRYN SUZANNE AXENTE3 | 7020 PELICAN ISLAND DR TAMPA, FL 33634 | AFLAC | $119 | $0 | $119 | 0.14% |
| CHRISTOPHER W GRAHAM3 | 2 CHASE CORPORATE DR STE 140 HOOVER, AL 35244 | AFLAC | $118 | $0 | $118 | 0.14% |
| EBERHART & ASSOCIATES INC3 | 11097 PARKSIDE PRESERVE WAY JACKSONVILLE, FL 32257 | AFLAC | $118 | $0 | $118 | 0.14% |
| KOSTANTINO MARK GYMNAOS3 | 13001 SHERIDAN DR HUDSON, FL 34667 | AFLAC | $67 | $0 | $67 | 0.08% |
| CHRISTOPHER GRAHAM3 | 1 CHASE CORPORATE DR STE 400 HOOVER, AL 35244 | AFLAC | $62 | $0 | $62 | 0.07% |
| KATHRYN SUZANNE AXENTE3 | 1 CHASE CORPORATE DR STE 400 HOOVER, AL 35244 | AFLAC | $62 | $0 | $62 | 0.07% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $2K | $0 | $2K | 2.89% |
| TEXAS AUTO DEALERS ASSOCIATION3 | ATTN CHUCK PRICE AUSTIN, TX 78701 | AMERICAN FIDELITY ASSURANCE COMPANY | $0 | $2K | $2K | 2.75% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | $4K | $14K | 21.02% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE NAVIGATOR LLC | 7979 OLD GEORGETOWN RD STE 300 BETHESDA, MD 20814 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $167 | $167 | 0.25% |
| TEXAS AUTO DEALERS ASSOCIATION3 | ATTN CHUCK PRICE AUSTIN, TX 78701 | AMERICAN FIDELITY ASSURANCE COMPANY | $0 | $2K | $2K | 3.16% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | -$507 | $0 | -$507 | -1.02% |
| TEXAS AUTO DEALERS ASSOCIATION3 | ATTN CHUCK PRICE AUSTIN, TX 78701 | AMERICAN FIDELITY ASSURANCE COMPANY | $0 | $1K | $1K | 2.83% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | -$205 | $0 | -$205 | -0.45% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $4K | $0 | $4K | 8.48% |
| TEXAS AUTO DEALERS ASSOCIATION3 | ATTN CHUCK PRICE AUSTIN, TX 78701 | AMERICAN FIDELITY ASSURANCE COMPANY | $0 | $1K | $1K | 3.06% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $2K | $5K | 16.64% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE NAVIGATOR LLC | 7979 OLD GEORGETOWN RD STE 300 BETHESDA, MD 20814 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $78 | $78 | 0.25% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $4K | $0 | $4K | 15.90% |
| TEXAS AUTO DEALERS ASSOCIATION3 | ATTN CHUCK PRICE AUSTIN, TX 78701 | AMERICAN FIDELITY ASSURANCE COMPANY | $0 | $713 | $713 | 3.06% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $2K | $0 | $2K | 8.44% |
| TEXAS AUTO DEALERS ASSOCIATION3 | ATTN CHUCK PRICE AUSTIN, TX 78701 | AMERICAN FIDELITY ASSURANCE COMPANY | $0 | $705 | $705 | 3.51% |
| TEXAS AUTO DEALERS ASSOCIATION3 | ATTN CHUCK PRICE AUSTIN, TX 78701 | AMERICAN FIDELITY ASSURANCE COMPANY | $0 | $571 | $571 | 3.56% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | -$1K | $0 | -$1K | -6.63% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $3K | $0 | $3K | 20.35% |
| TEXAS AUTO DEALERS ASSOCIATION3 | ATTN CHUCK PRICE AUSTIN, TX 78701 | AMERICAN FIDELITY ASSURANCE COMPANY | $0 | $461 | $461 | 3.02% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $3K | $0 | $3K | 19.54% |
| TEXAS AUTO DEALERS ASSOCIATION3 | ATTN CHUCK PRICE AUSTIN, TX 78701 | AMERICAN FIDELITY ASSURANCE COMPANY | $0 | $550 | $550 | 3.72% |
| TEXAS AUTO DEALERS ASSOCIATION3 | ATTN CHUCK PRICE AUSTIN, TX 78701 | AMERICAN FIDELITY ASSURANCE COMPANY | $0 | $387 | $387 | 2.97% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $287 | $0 | $287 | 2.20% |
| TEXAS AUTO DEALERS ASSOCIATION3 | ATTN CHUCK PRICE AUSTIN, TX 78701 | AMERICAN FIDELITY ASSURANCE COMPANY | $0 | $433 | $433 | 3.42% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | -$782 | $0 | -$782 | -6.17% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $7K | $0 | $7K | 66.32% |
| TEXAS AUTO DEALERS ASSOCIATION3 | ATTN CHUCK PRICE AUSTIN, TX 78701 | AMERICAN FIDELITY ASSURANCE COMPANY | $0 | $349 | $349 | 3.37% |
| PREMIER CONSULTING PARTNERS LLC3 | 10441 S REGAL BLVD #100 TULSA, OK 74133 | AMERICAN FIDELITY ASSURANCE COMPANY | $550 | $0 | $550 | 5.79% |
| TEXAS AUTO DEALERS ASSOCIATION3 | ATTN CHUCK PRICE AUSTIN, TX 78701 | AMERICAN FIDELITY ASSURANCE COMPANY | $0 | $345 | $345 | 3.63% |
| ROONEY INSURANCE AGENCY INC3 Filed as: ROONEY INS AGENCY INC | 4700 S GARNETT RD #200 TULSA, OK 74146 | AMERICAN FIDELITY ASSURANCE COMPANY | $110 | $0 | $110 | 1.16% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | -$272 | $0 | -$272 | -2.86% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 76101 | EYE MED | $37 | $0 | $37 | 7.43% |
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 | 2,025 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,038 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,175 | $659K |
| Vision(3 contracts, 2 carriers) | EYE MED | 1,767 | $177K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 2,159 | $151K |
| Short-term disability(18 contracts, 2 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 439 | $1.2M |
| Long-term disability(17 contracts) | AMERICAN FIDELITY ASSURANCE COMPANY | 439 | $1.1M |
| Other(19 contracts, 3 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 2,159 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,159 | — |
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.