| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP | 115 PERIMETER CENTER PLACE, STE 825 ATLANTA, GA 30346 | QBE INSURANCE | $0 | $78K | $78K | 7.00% |
| CARLOS D ESPINOSA3 | 1164 ROBERT MALLET RD AMAUDVILLE, LA 70512 | AFLAC | $133K | $0 | $133K | 24.78% |
| RACHEL THERIOT CURRY3 | 109 WINGED FOOT DR BROUSSARD, LA 70518 | AFLAC | $80K | $0 | $80K | 14.93% |
| MIA M FONTENOT3 | 2924 LINWOOD LOOP OPELOUSAS, LA 70570 | AFLAC | $54K | $0 | $54K | 10.13% |
| JEANNE LANDRY3 | 1113 BAYOU TRCE BREAUX BRIDGE, LA 70517 | AFLAC | $52K | $0 | $52K | 9.81% |
| GUSTAVO DANIEL GEVARA3 | 25306 SANDY TRACE LN KATY, TX 77494 | AFLAC | $25K | $0 | $25K | 4.67% |
| KEITH WILLIAM BELLE3 | 105 GENNA LN YOUNGSVILLE, LA 70592 | AFLAC | $25K | $0 | $25K | 4.65% |
| FORTH INSURANCE, LLC3 | 2200TOWER DRIVE MONROE, LA 71201 | AFLAC | $18K | $0 | $18K | 3.30% |
| COURTNEY TREESE3 | 171 HOOPER RD PINEVILLE, LA 71360 | AFLAC | $14K | $0 | $14K | 2.59% |
| LEILANI THERIOT3 | 1017 SOLOMON STREET BREAUX BRIDGE, LA 70517 | AFLAC | $13K | $0 | $13K | 2.38% |
| MATTHEW R FONTENOT3 | 2924 LINWOOD LOOP OPELOUSAS, LA 70570 | AFLAC | $11K | $0 | $11K | 1.97% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC | 500 W 13TH ST FORT WORTH, TX 76102 | BLUECROSS BLUESHIELD OF TEXAS | $31K | $6K | $37K | 11.84% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC | 500 W 13TH ST FORT WORTH, TX 76102 | VISION SERVICE PLAN | $14K | $0 | $14K | 10.01% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN RD, STE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $697 | $0 | $697 | 0.50% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | 11700 KATY FREEWAY, STE 1100 HOUSTON, TX 77079 | DEARBORN LIFE INSURANCE COMPANY | $4K | $2K | $5K | 14.14% |
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 | 1,102 | 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) | 1,102 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 838 | $315K |
| Vision | VISION SERVICE PLAN | 396 | $140K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 933 | $573K |
| Short-term disability | AFLAC | 506 | $535K |
| Stop-loss / reinsurancereinsurance | QBE INSURANCE | 515 | $1.1M |
| Other(2 contracts, 2 carriers) | AFLAC | 933 | $573K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 933 | — |
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."
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.