| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | UNITED HEALTHCARE INSURANCE COMPANY | $54K | $15K | $69K | 12.77% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 731250360 | AMERICAN FIDELITY ASSURANCE COMPANY | $37K | $0 | $37K | 12.49% |
| TEXAS AUTO DEALERS ASSOCIATION3 | ATTN CHUCK PRICE AUSTIN, TX 78701 | AMERICAN FIDELITY ASSURANCE COMPANY | $0 | $7K | $7K | 2.49% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 731250360 | AMERICAN FIDELITY ASSURANCE COMPANY | $23K | $0 | $23K | 9.85% |
| TEXAS AUTO DEALERS ASSOCIATION3 | ATTN CHUCK PRICE AUSTIN, TX 78701 | AMERICAN FIDELITY ASSURANCE COMPANY | $0 | $7K | $7K | 2.83% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 731250360 | AMERICAN FIDELITY ASSURANCE COMPANY | $6K | $0 | $6K | 4.80% |
| TEXAS AUTO DEALERS ASSOCIATION3 | ATTN CHUCK PRICE AUSTIN, TX 78701 | AMERICAN FIDELITY ASSURANCE COMPANY | $0 | $3K | $3K | 2.58% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 731250360 | AMERICAN FIDELITY ASSURANCE COMPANY | $4K | $0 | $4K | 4.13% |
| TEXAS AUTO DEALERS ASSOCIATION3 | ATTN CHUCK PRICE AUSTIN, TX 78701 | AMERICAN FIDELITY ASSURANCE COMPANY | $0 | $2K | $2K | 1.96% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $10K | $0 | $10K | 10.07% |
| CLEAR LIGHT SERVICES LLC3 | 2751 CHALLENGER DR PALM HARBOR, FL 34683 | AFLAC | $8K | $614 | $8K | 8.45% |
| MARY TERESA DAVIS3 | 2751 CHALLENGER DR PALM HARBOR, FL 34683 | AFLAC | $2K | $189 | $2K | 2.07% |
| GROVE FINANCIAL LLC3 | 494 ORANGE ST PALM HARBOR, FL 34683 | AFLAC | $1K | $161 | $2K | 1.53% |
| LISA ANN MONTALBANO3 | 3942 BAYSHORE BLVD NE ST PETERSBURG, FL 33703 | AFLAC | $1K | $0 | $1K | 1.47% |
| SEAN E MORRES3 | 4809 EHRLICH RD TAMPA, FL 33624 | AFLAC | $1K | $0 | $1K | 1.16% |
| DAVID JOHN MCDANIEL3 | 1154 44TH AVE NE SAINT PETERSBURG, FL 33703 | AFLAC | $526 | $0 | $526 | 0.53% |
| BRAUNWYNN B BRANDON3 | 16402 BRIDGELAWN AVE LITHIA, FL 33547 | AFLAC | $348 | $46 | $394 | 0.39% |
| EBERHART & ASSOCIATES INC3 | 11097 PARKSIDE PRESERVE WAY JACKSONVILLE, FL 32257 | AFLAC | $336 | $0 | $336 | 0.34% |
| RAVONE MARVELLE GRAHAM3 | 7601 ARCADIA TRAIL FORT WORTH, TX 76137 | AFLAC | $328 | $0 | $328 | 0.33% |
| CHRISTOPHER W GRAHAM3 | 2 CHASE CORPORATE DR #140 HOOVER, AL 35244 | AFLAC | $325 | $0 | $325 | 0.33% |
| BETH LUANNE KIMBROUGH3 | 6750 N ANDREWS AVE #200 FT LAUDERDALE, FL 33309 | AFLAC | $309 | $0 | $309 | 0.31% |
| MATTHEW SHANE STRONG3 | 3860 COLONIAL BLVD #200 FORT MYERS, FL 33966 | AFLAC | $211 | $48 | $259 | 0.26% |
| SUSAN C BRIMHALL3 | PO BOX 13877 MEXICO BEACH, FL 33410 | AFLAC | $203 | $0 | $203 | 0.20% |
| KATHERYN SUZANNE AXENTE3 | 7020 PELICAN ISLAND DRIVE TAMPA, FL 33634 | AFLAC | $176 | $0 | $176 | 0.18% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | $167 | $11K | 15.24% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE NAVIGATOR LLC | 7979 OLD GEORGETOWN RD #300 BETHESDA, MD 20814 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $175 | $175 | 0.25% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 731250360 | AMERICAN FIDELITY ASSURANCE COMPANY | $2K | $0 | $2K | 4.28% |
| TEXAS AUTO DEALERS ASSOCIATION3 | ATTN CHUCK PRICE AUSTIN, TX 78701 | AMERICAN FIDELITY ASSURANCE COMPANY | $0 | $1K | $1K | 2.99% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 731250360 | AMERICAN FIDELITY ASSURANCE COMPANY | $6K | $0 | $6K | 12.63% |
| TEXAS AUTO DEALERS ASSOCIATION3 | ATTN CHUCK PRICE AUSTIN, TX 78701 | AMERICAN FIDELITY ASSURANCE COMPANY | $0 | $2K | $2K | 3.33% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 731250360 | AMERICAN FIDELITY ASSURANCE COMPANY | $3K | $0 | $3K | 11.68% |
| TEXAS AUTO DEALERS ASSOCIATION3 | ATTN CHUCK PRICE AUSTIN, TX 78701 | AMERICAN FIDELITY ASSURANCE COMPANY | $0 | $796 | $796 | 2.70% |
| TEXAS AUTO DEALERS ASSOCIATION3 | ATTN CHUCK PRICE AUSTIN, TX 78701 | AMERICAN FIDELITY ASSURANCE COMPANY | $0 | $773 | $773 | 2.98% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 731250360 | AMERICAN FIDELITY ASSURANCE COMPANY | -$4K | $0 | -$4K | -15.34% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 731250360 | AMERICAN FIDELITY ASSURANCE COMPANY | $9K | $0 | $9K | 35.36% |
| TEXAS AUTO DEALERS ASSOCIATION3 | ATTN CHUCK PRICE AUSTIN, TX 78701 | AMERICAN FIDELITY ASSURANCE COMPANY | $0 | $641 | $641 | 2.57% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 731250360 | AMERICAN FIDELITY ASSURANCE COMPANY | $3K | $0 | $3K | 14.71% |
| TEXAS AUTO DEALERS ASSOCIATION3 | ATTN CHUCK PRICE AUSTIN, TX 78701 | AMERICAN FIDELITY ASSURANCE COMPANY | $0 | $667 | $667 | 2.93% |
| TEXAS AUTO DEALERS ASSOCIATION3 | ATTN CHUCK PRICE AUSTIN, TX 78701 | AMERICAN FIDELITY ASSURANCE COMPANY | $0 | $652 | $652 | 2.93% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 731250360 | AMERICAN FIDELITY ASSURANCE COMPANY | -$2K | $0 | -$2K | -8.90% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 731250360 | AMERICAN FIDELITY ASSURANCE COMPANY | $3K | $0 | $3K | 16.31% |
| TEXAS AUTO DEALERS ASSOCIATION3 | ATTN CHUCK PRICE AUSTIN, TX 78701 | AMERICAN FIDELITY ASSURANCE COMPANY | $0 | $742 | $742 | 3.57% |
| TEXAS AUTO DEALERS ASSOCIATION3 | ATTN CHUCK PRICE AUSTIN, TX 78701 | AMERICAN FIDELITY ASSURANCE COMPANY | $0 | $467 | $467 | 2.55% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 731250360 | AMERICAN FIDELITY ASSURANCE COMPANY | -$6K | $0 | -$6K | -30.97% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 731250360 | AMERICAN FIDELITY ASSURANCE COMPANY | $2K | $0 | $2K | 14.31% |
| TEXAS AUTO DEALERS ASSOCIATION3 | ATTN CHUCK PRICE AUSTIN, TX 78701 | AMERICAN FIDELITY ASSURANCE COMPANY | $0 | $579 | $579 | 3.60% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 731250360 | AMERICAN FIDELITY ASSURANCE COMPANY | $3K | $0 | $3K | 29.82% |
| TEXAS AUTO DEALERS ASSOCIATION3 | ATTN CHUCK PRICE AUSTIN, TX 78701 | AMERICAN FIDELITY ASSURANCE COMPANY | $0 | $327 | $327 | 3.33% |
| HOLLY J FRED3 | 562 E 2060 RD BOSWELL, OK 74727 | AFLAC | $1K | $0 | $1K | 13.20% |
| FIOR NEWMAN3 | 559 E 4TH ST DURANT, OK 74701 | AFLAC | $673 | $0 | $673 | 8.83% |
| VICKI TROXELL3 | 2728 COUNTY ROAD 3300 AVERY, TX 75554 | AFLAC | $503 | $0 | $503 | 6.60% |
| JOSHUA WORTHY3 Filed as: JOSHUA I WORTHY | 2929 W MAIN ST DURANT, OK 74701 | AFLAC | $268 | $0 | $268 | 3.52% |
| JAMES D GRACE3 | 4316 S ASPEN PL BROKEN ARROW, OK 74011 | AFLAC | $115 | $0 | $115 | 1.51% |
| GEOFF W NEWMAN3 | 19 JOAN ST DURANT, OK 74701 | AFLAC | $99 | $0 | $99 | 1.30% |
| TIMOTHY W WORTHY JR3 | 2929 W MAIN ST DURANT, OK 74701 | AFLAC | $44 | $0 | $44 | 0.58% |
| JOHN A WILLIAMS COMPANY INC3 Filed as: JOHN A WILLIAMS | 20316 N COUNTY ROAD 3240 PAULS VALLEY, OK 73075 | AFLAC | $11 | $0 | $11 | 0.14% |
| MOFFATT DESIGNS LLC3 | 1221 LAMPLIGHTER LN EDMOND, OK 73034 | AFLAC | $3 | $0 | $3 | 0.04% |
| LARRY D DENNY3 | PO BOX 306 WETUMKA, OK 74883 | AFLAC | $3 | $0 | $3 | 0.04% |
| SHANE M OWEN3 | 3000 UNITED FOUNDERS BLVD #100 OKLAHOMA CITY, OK 73112 | AFLAC | $2 | $0 | $2 | 0.03% |
| PAUL B BROUCHOUD3 | 604 MARK DR DEL CITY, OK 73115 | AFLAC | $2 | $0 | $2 | 0.03% |
| HOLLY J FRED3 | 562 E 2060 RD BOSWELL, OK 74727 | AFLAC | $863 | $0 | $863 | 12.93% |
| VICKI TROXELL3 | 2728 COUNTY ROAD 3300 AVERY, TX 75554 | AFLAC | $452 | $0 | $452 | 6.77% |
| JAMES D GRACE3 | 4316 S ASPEN PL BROKEN ARROW, OK 74011 | AFLAC | $235 | $0 | $235 | 3.52% |
| JOSHUA WORTHY3 Filed as: JOSHUA I WORTHY | 2929 W MAIN ST DURANT, OK 74701 | AFLAC | $181 | $0 | $181 | 2.71% |
| GEOFF W NEWMAN3 | 19 JOAN ST DURANT, OK 74701 | AFLAC | $98 | $0 | $98 | 1.47% |
| TIMOTHY W WORTHY JR3 | 2929 W MAIN ST DURANT, OK 74701 | AFLAC | $68 | $0 | $68 | 1.02% |
| JOHN A WILLIAMS COMPANY INC3 Filed as: JOHN A WILLIAMS | 20316 N COUNTY ROAD 3240 PAULS VALLEY, OK 73075 | AFLAC | $36 | $0 | $36 | 0.54% |
| LARRY D DENNY3 | PO BOX 306 WETUMKA, OK 74883 | AFLAC | $27 | $0 | $27 | 0.40% |
| MOFFATT DESIGNS LLC3 | 1221 LAMPLIGHTER LN EDMOND, OK 73034 | AFLAC | $6 | $0 | $6 | 0.09% |
| EDWARD A HALL JR3 | 2224 WOODMARSH CIR AUBURN, GA 30011 | AFLAC | $2 | $0 | $2 | 0.03% |
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 | 2,050 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 23 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,073 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 1,770 | $542K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,899 | $101K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,121 | $70K |
| Short-term disability(15 contracts) | AMERICAN FIDELITY ASSURANCE COMPANY | 472 | $1.0M |
| Long-term disability(15 contracts) | AMERICAN FIDELITY ASSURANCE COMPANY | 472 | $1.0M |
| Other(19 contracts, 3 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 2,121 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,121 | — |
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.