| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TEXAS AUTO DEALERS ASSOCIATION3 | UNKNOWN AUSTIN, TX 78701 | AMERICAN FIDELITY ASSURANCE COMPANY | $0 | $39K | $39K | 2.38% |
| DURANT CLASSIC INSURANCE SERVICES3 | 1101 SH 114 WEST GRAPEVINE, TX 76051 | AMERICAN FIDELITY ASSURANCE COMPANY | $947 | $0 | $947 | 0.06% |
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP, LLC | 18700 NORTH HAYDEN ROAD, SUITE 405 SCOTTSDALE, AZ 85255 | HCC LIFE INSURANCE COMPANY | $0 | $26K | $26K | 2.20% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | METROPOLITAN LIFE INSURANCE COMPANY | $42K | $129 | $42K | 7.19% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC. | PO BOX 908 FORT WORTH, TX 76101 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $10K | $24K | 4.08% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $5K | $5K | 0.90% |
| DURANT CLASSIC INSURANCE SERVICES3 | 1101 SH 114 WEST GRAPEVINE, TX 76051 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $74K | $0 | $74K | 16.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 12750 MERIT DRIVE, SUITE 1000 DALLAS, TX 75251 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $0 | $10K | 2.11% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC. | 500 WEST, 13TH STREET FORT WORTH, TX 76102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $968 | $5K | $6K | 1.20% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 5420 LBJ FREEWAY, SUITE 400 DALLAS, TX 75240 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 0.65% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 736 SOUTH STONE AVENUE LA GRANGE, IL 60525 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.26% |
| 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 | 9.64% |
| STACY HART3 | 1316 NW FERRIS AVENUE LAWTON, OK 73507 | AFLAC | $2K | $0 | $2K | 7.86% |
| JOSHUA C ROLAN3 Filed as: JOSHUA C. ROLAN | 201 BOWLING DRIVE PAULS VALLEY, OK 73075 | AFLAC | $578 | $25 | $603 | 1.93% |
| JOSHUA WORTHY3 Filed as: JOSHUA I. WORTHY | 3700 NORTH CLASSEN BOULEVARD SUITE 220 OKLAHOMA CITY, OK 73118 | AFLAC | $353 | $25 | $378 | 1.21% |
| BRIAN K EVERETT3 Filed as: BRIAN K. EVERETT | 2160 SANDPIPER DRIVE BLANCHARD, OK 73010 | AFLAC | $310 | $0 | $310 | 0.99% |
| WESLEY K DILLON3 Filed as: WESLEY K. DILLON | 1316 NW FERRIS AVENUE LAWTON, OK 73507 | AFLAC | $165 | $53 | $218 | 0.70% |
| GARY C HART3 Filed as: GARY C. HART | 1316 NW FERRIS AVENUE LAWTON, OK 73507 | AFLAC | $146 | $53 | $199 | 0.64% |
| COURTNEY J THOMPSON3 Filed as: COURTNEY THOMPSON AND OTHER AGENTS | 8011 NW NORWICK AVENUE LAWTON, OK 73505 | AFLAC | $58 | $0 | $58 | 0.19% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | $1K | $0 | $1K | 7.87% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC. | PO BOX 908 FORT WORTH, TX 76101 | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | $307 | $234 | $541 | 4.14% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | $0 | $129 | $129 | 0.99% |
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 | 1,915 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,915 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICAN FIDELITY ASSURANCE COMPANY | 685 | $1.7M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,936 | $595K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 1,798 | $104K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,915 | $460K |
| Short-term disability | AMERICAN FIDELITY ASSURANCE COMPANY | 685 | $1.7M |
| Long-term disability | AMERICAN FIDELITY ASSURANCE COMPANY | 685 | $1.7M |
| Other(4 contracts, 4 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 1,915 | $3.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,936 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.