| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRANK SWINGLE & ASSOCIATES, INC3 Filed as: FRANK SWINGLE & ASSOCIATES, INC. | 13760 NOEL RD STE 600 DALLAS, TX 75240 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | $54K | $60K | 5.50% |
| FRANK SWINGLE & ASSOCIATES, INC3 | 13760 NOEL RD DALLAS, TX 75240 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 6.75% |
| MANUEL FUENTES3 | 63 MARIPOSA PKWY WEST BOERNE, TX 78006 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $479 | $285 | $764 | 4.41% |
| THE CAPITAL GROUP LLC3 Filed as: CAPITAL FINANCIAL STRATEGIES INC | 4402 93RD DR LUBBOCK, TX 79424 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $477 | $215 | $692 | 3.99% |
| BARBARA ANN BASTON3 | 5401 MANSEL LANE FORT WORTH, TX 76134 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $505 | $72 | $577 | 3.33% |
| FREIDA LAUREN FANCHER3 | 1918 COOPER DR IRVING, TX 75061 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $476 | $0 | $476 | 2.75% |
| PRISCILLA ANN MENDOZA3 | 26326 ROCKWALL PKWY NEW BRAUNFELS, TX 78132 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $439 | $0 | $439 | 2.53% |
| GARY FANCHER INSURANCE PLLC3 | 1918 COOPER DR IRVING, TX 75061 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $115 | $17 | $132 | 0.76% |
| FRANK SWINGLE & ASSOCIATES, INC3 | 13760 NOEL RD DALLAS, TX 75240 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 10.14% |
| MANUEL FUENTES3 | 63 MARIPOSA PKWY WEST BOERNE, TX 78006 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $298 | $148 | $446 | 3.27% |
| VIRGINIA LEDER-CLARK3 | 4513 BRINDLE WAY FLOWER MOUND, TX 75028 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $182 | $55 | $237 | 1.74% |
| PRISCILLA ANN MENDOZA3 | 26326 ROCKWALL PKWY NEW BRAUNFELS, TX 78132 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $227 | $0 | $227 | 1.67% |
| FREIDA LAUREN FANCHER3 | 1918 COOPER DR IRVING, TX 75061 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $226 | $0 | $226 | 1.66% |
| THE CAPITAL GROUP LLC3 Filed as: CAPITAL FINANCIAL STRATEGIES INC | 4402 93RD DR LUBBOCK, TX 79424 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $85 | $38 | $123 | 0.90% |
| GARY FANCHER INSURANCE PLLC3 | 1918 COOPER DR IRVING, TX 75061 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $92 | $7 | $99 | 0.73% |
| FRANK SWINGLE & ASSOCIATES, INC3 Filed as: FRANK SWINGLE & ASSOCIATES, INC. | 13760 NOEL RD STE 600 DALLAS, TX 75240 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | $0 | $1K | 10.56% |
| FRANK SWINGLE & ASSOCIATES, INC3 | 13760 NOEL RD DALLAS, TX 75240 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $220 | $0 | $220 | 8.99% |
| MANUEL FUENTES3 | 63 MARIPOSA PKWY WEST BOERNE, TX 78006 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30 | $16 | $46 | 1.88% |
| VIRGINIA LEDER-CLARK3 | 4513 BRINDLE WAY FLOWER MOUND, TX 75028 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | $6 | $32 | 1.31% |
| PRISCILLA ANN MENDOZA3 | 26326 ROCKWALL PKWY NEW BRAUNFELS, TX 78132 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | $0 | $25 | 1.02% |
| CRAIG LEE KREUTZER3 | 1112 WILSIN DR LANTANA, TX 76226 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | $0 | $24 | 0.98% |
| FREIDA LAUREN FANCHER3 | 1918 COOPER DR IRVING, TX 75061 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | $0 | $18 | 0.74% |
| GARY FANCHER INSURANCE PLLC3 | 1918 COOPER DR IRVING, TX 75061 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $1 | $11 | 0.45% |
| FRANK SWINGLE & ASSOCIATES, INC3 Filed as: FRANK SWINGLE & ASSOCIATES INC | 13760 NOEL RD DALLAS, TX 75240 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $94 | $0 | $94 | 10.48% |
| MANUEL FUENTES3 | 63 MARIPOSA PKWY WEST BOERNE, TX 78006 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | $13 | $36 | 4.01% |
| PRISCILLA ANN MENDOZA3 | 26326 ROCKWALL PKWY NEW BRAUNFELS, TX 78132 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | $0 | $21 | 2.34% |
| VIRGINIA LEDER-CLARK3 | 4513 BRINDLE WAY FLOWER MOUND, TX 75028 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | $5 | $19 | 2.12% |
| FREIDA LAUREN FANCHER3 | 1918 COOPER DR IRVING, TX 75061 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | $0 | $15 | 1.67% |
| CRAIG LEE KREUTZER3 | 1112 WILSIN DR LANTANA, TX 76226 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $0 | $9 | 1.00% |
| GARY FANCHER INSURANCE PLLC3 | 1918 COOPER DR IRVING, TX 75061 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $1 | $6 | 0.67% |
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 | 164 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 165 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 335 | $1.1M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 335 | $1.1M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 335 | $1.1M |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 95 | $12K |
| Short-term disability(4 contracts) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 46 | $34K |
| Other(5 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 95 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 335 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.