| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | UNITEDHEALTHCARE INSURANCE COMPANY | $68K | $0 | $68K | 11.87% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $29K | $0 | $29K | 6.30% |
| TEXAS AUTO DEALERS ASSOCIATION3 | ATTN CHUCK PRICE AUSTIN, TX 78701 | AMERICAN FIDELITY ASSURANCE COMPANY | $0 | $11K | $11K | 2.40% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $27K | $0 | $27K | 9.85% |
| TEXAS AUTO DEALERS ASSOCIATION3 | ATTN CHUCK PRICE AUSTIN, TX 78701 | AMERICAN FIDELITY ASSURANCE COMPANY | $0 | $7K | $7K | 2.62% |
| STEALTH PARTNER GROUP LLC3 | 18940 NORTH PIMA RD STE 210 SCOTTSDALE, AZ 85255 | HCC LIFE INSURANCE COMPANY | $0 | $9K | $9K | 5.00% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $7K | $0 | $7K | 4.68% |
| TEXAS AUTO DEALERS ASSOCIATION3 | ATTN CHUCK PRICE AUSTIN, TX 78701 | AMERICAN FIDELITY ASSURANCE COMPANY | $0 | $4K | $4K | 2.64% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $12K | $0 | $12K | 10.35% |
| TEXAS AUTO DEALERS ASSOCIATION3 | ATTN CHUCK PRICE AUSTIN, TX 78701 | AMERICAN FIDELITY ASSURANCE COMPANY | $0 | $2K | $2K | 2.07% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $11K | $0 | $11K | 10.99% |
| CLEAR LIGHT SERVICES LLC3 | 2751 CHALLENGER DR PALM HARBOR, FL 34683 | AFLAC | $3K | $302 | $3K | 3.58% |
| LISA ANN MONTALBANO3 | 3942 BAYSHORE BLVD NE ST PETERSBURG, FL 33703 | AFLAC | $1K | $0 | $1K | 1.43% |
| SEAN E MORRES3 | 4809 EHRLICH RD TAMPA, FL 33624 | AFLAC | $975 | $0 | $975 | 1.23% |
| MARY TERESA DAVIS3 | 2751 CHALLENGER DR PALM HARBOR, FL 34683 | AFLAC | $752 | $70 | $822 | 1.04% |
| GROVE FINANCIAL LLC3 | 494 ORANGE ST PALM HARBOR, FL 34683 | AFLAC | $558 | $70 | $628 | 0.79% |
| DAVID JOHN MCDANIEL3 | 1154 44TH AVE NE SAINT PETERSBURG, FL 33703 | AFLAC | $374 | $0 | $374 | 0.47% |
| CHRISTOPHER W GRAHAM3 | 2 CHASE CORPORATE DR STE 140 HOOVER, AL 35244 | AFLAC | $286 | $0 | $286 | 0.36% |
| RAVONE MARVELLE GRAHAM3 | 7601 ARCADIA TRL FORT WORTH, TX 76137 | AFLAC | $273 | $0 | $273 | 0.35% |
| EBERHART & ASSOCIATES INC3 | 11097 PARKSIDE PRESERVE WAY JACKSONVILLE, FL 32257 | AFLAC | $257 | $0 | $257 | 0.33% |
| BETH LUANNE KIMBROUGH3 | 6750 N ANDREWS AVE STE 200 FT LAUDERDALE, FL 33309 | AFLAC | $246 | $0 | $246 | 0.31% |
| SUSAN C BRIMHALL3 | PO BOX 8 LAKE PLACID, NY 12946 | AFLAC | $145 | $0 | $145 | 0.18% |
| KATHRYN SUZANNE AXENTE3 | 7020 PELICAN ISLAND DR TAMPA, FL 33634 | AFLAC | $135 | $0 | $135 | 0.17% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $0 | $10K | 15.00% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $11K | $0 | $11K | 18.47% |
| TEXAS AUTO DEALERS ASSOCIATION3 | ATTN CHUCK PRICE AUSTIN, TX 78701 | AMERICAN FIDELITY ASSURANCE COMPANY | $0 | $2K | $2K | 3.09% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $16K | $0 | $16K | 29.73% |
| TEXAS AUTO DEALERS ASSOCIATION3 | ATTN CHUCK PRICE AUSTIN, TX 78701 | AMERICAN FIDELITY ASSURANCE COMPANY | $0 | $1K | $1K | 2.39% |
| TEXAS AUTO DEALERS ASSOCIATION3 | ATTN CHUCK PRICE AUSTIN, TX 78701 | AMERICAN FIDELITY ASSURANCE COMPANY | $0 | $1K | $1K | 3.31% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | -$7K | $0 | -$7K | -18.56% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $4K | $0 | $4K | 11.17% |
| TEXAS AUTO DEALERS ASSOCIATION3 | ATTN CHUCK PRICE AUSTIN, TX 78701 | AMERICAN FIDELITY ASSURANCE COMPANY | $0 | $773 | $773 | 2.38% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $6K | $0 | $6K | 21.00% |
| TEXAS AUTO DEALERS ASSOCIATION3 | ATTN CHUCK PRICE AUSTIN, TX 78701 | AMERICAN FIDELITY ASSURANCE COMPANY | $0 | $869 | $869 | 3.20% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $5K | $0 | $5K | 22.99% |
| TEXAS AUTO DEALERS ASSOCIATION3 | ATTN CHUCK PRICE AUSTIN, TX 78701 | AMERICAN FIDELITY ASSURANCE COMPANY | $0 | $949 | $949 | 4.21% |
| TEXAS AUTO DEALERS ASSOCIATION3 | ATTN CHUCK PRICE AUSTIN, TX 78701 | AMERICAN FIDELITY ASSURANCE COMPANY | $0 | $487 | $487 | 3.15% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | -$188 | $0 | -$188 | -1.21% |
| TEXAS AUTO DEALERS ASSOCIATION3 | ATTN CHUCK PRICE AUSTIN, TX 78701 | AMERICAN FIDELITY ASSURANCE COMPANY | $0 | $347 | $347 | 2.85% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | -$3K | $0 | -$3K | -22.05% |
| HOLLY J FRED3 | 562 E 2060 RD BOSWELL, OK 74727 | AFLAC | $405 | $61 | $466 | 6.97% |
| FIOR NEWMAN3 | 559 E 4TH ST DURANT, OK 74701 | AFLAC | $129 | $55 | $184 | 2.75% |
| JOSHUA WORTHY3 Filed as: JOSHUA I WORTHY | 2929 W MAIN ST DURANT, OK 74701 | AFLAC | $90 | $33 | $123 | 1.84% |
| JAMES D GRACE3 | 4401 HIGHLAND HILLS DR NORMAN, OK 73026 | AFLAC | $105 | $0 | $105 | 1.57% |
| GEOFF W NEWMAN3 | 19 JOAN ST DURANT, OK 74701 | AFLAC | $37 | $9 | $46 | 0.69% |
| TIMOTHY W WORTHY JR3 | 2929 W MAIN ST DURANT, OK 74701 | AFLAC | $38 | $0 | $38 | 0.57% |
| JOHN A WILLIAMS COMPANY INC3 Filed as: JOHN A WILLAMS | 20316 N COUNTY ROAD 3240 PAULS VALLEY, OK 73075 | AFLAC | $10 | $0 | $10 | 0.15% |
| MOFFAT 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 | 8413 NW 106TH ST OKLAHOMA CITY, OK 73162 | 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 | $221 | $55 | $276 | 5.03% |
| JAMES D GRACE3 | 4401 HIGHLAND HILLS DR NORMAN, OK 73026 | AFLAC | $216 | $0 | $216 | 3.93% |
| JOSHUA WORTHY3 Filed as: JOSHUA I WORTHY | 2929 W MAIN ST DURANT, OK 74701 | AFLAC | $56 | $22 | $78 | 1.42% |
| GEOFF W NEWMAN3 | 19 JOAN ST DURANT, OK 74701 | AFLAC | $45 | $9 | $54 | 0.98% |
| TIMOTHY W WORTHY JR3 | 2929 W MAIN ST DURANT, OK 74701 | AFLAC | $53 | $0 | $53 | 0.97% |
| JOHN A WILLIAMS COMPANY INC3 Filed as: JOHN A WILLIAMS | 20316 N COUNTY ROAD 3240 PAULS VALLEY, OK 73075 | AFLAC | $33 | $0 | $33 | 0.60% |
| LARRY D DENNY3 | PO BOX 306 WETUMKA, OK 74883 | AFLAC | $24 | $0 | $24 | 0.44% |
| MOFFATT DESIGNS LLC3 | 1221 LAMPLIGHTER LN EDMOND, OK 73034 | AFLAC | $5 | $0 | $5 | 0.09% |
| EDWARD A HALL JR3 | 2224 WOODMARSH CIR AUBURN, GA 30011 | AFLAC | $2 | $0 | $2 | 0.04% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $111 | $0 | $111 | 11.78% |
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 | 1,935 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,946 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 1,931 | $570K |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,697 | $100K |
| Life insurance(6 contracts, 2 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 1,993 | $874K |
| Short-term disability(11 contracts) | AMERICAN FIDELITY ASSURANCE COMPANY | 195 | $1.1M |
| Long-term disability(12 contracts) | AMERICAN FIDELITY ASSURANCE COMPANY | 195 | $1.2M |
| Other(17 contracts, 4 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 1,993 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,993 | — |
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.