| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TEXAS AUTO DEALERS ASSOCIATION3 | UNKNOWN AUSTIN, TX 78701 | AMERICAN FIDELITY ASSURANCE COMPANY | $0 | $37K | $37K | 2.44% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC. | PO BOX 908 FORT WORTH, TX 76101 | METROPOLITAN LIFE INSURANCE COMPANY | $41K | $22 | $41K | 8.08% |
| STHEALTH BENEFIT SOLUTIONS LLC3 Filed as: STHEALTH BENEFIT SOLUTIONS, LLC | 18700 NORTH HAYDEN ROAD, SUITE 405 SCOTTSDALE, AZ 85255 | TOKIO MARINE HCC | $0 | $12K | $12K | 7.87% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC. | 500 WEST 13TH STREET FORT WORTH, TX 76102 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $10K | $0 | $10K | 10.05% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC. | 500 WEST 13TH STREET FORT WORTH, TX 76102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | $3K | $15K | 19.34% |
| WESLEY K DILLON3 Filed as: WESLEY K. DILLON | 1316 NW FERRIS AVENUE LAWTON, OK 73507 | AFLAC | $865 | $8 | $873 | 3.10% |
| STACY HART3 | 1316 NW FERRIS AVENUE LAWTON, OK 73507 | AFLAC | $746 | $21 | $767 | 2.72% |
| GARY C HART3 Filed as: GARY C. HART | 1316 NW FERRIS AVENUE LAWTON, OK 73507 | AFLAC | $713 | $0 | $713 | 2.53% |
| JOSHUA C ROLAN3 Filed as: JOSHUA C. ROLAN | 201 BOWLING DRIVE PAULS VALLEY, OK 73075 | AFLAC | $420 | $10 | $430 | 1.53% |
| BRIAN K EVERETT3 Filed as: BRIAN K. EVERETT | 2160 SANDPIPER DRIVE BLANCHARD, OK 73010 | AFLAC | $319 | $0 | $319 | 1.13% |
| JOSHUA WORTHY3 Filed as: JOSHUA I. WORTHY | 2929 WEST MAIN STREET DURANT, OK 74701 | AFLAC | $264 | $10 | $274 | 0.97% |
| COURTNEY J THOMPSON3 Filed as: COURTNEY THOMPSON AND OTHER AGENTS | 8011 NW NORWICK AVENUE LAWTON, OK 73505 | AFLAC | $67 | $13 | $80 | 0.28% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC. | PO BOX 908 FORT WORTH, TX 76101 | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | $1K | $0 | $1K | 8.39% |
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 | 1,824 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,832 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICAN FIDELITY ASSURANCE COMPANY | 644 | $1.5M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,697 | $519K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 1,590 | $104K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,824 | $78K |
| Short-term disability | AMERICAN FIDELITY ASSURANCE COMPANY | 644 | $1.5M |
| Long-term disability | AMERICAN FIDELITY ASSURANCE COMPANY | 644 | $1.5M |
| Other(4 contracts, 4 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 1,824 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,824 | — |
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.