| 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 | BLUECROSS BLUESHIELD OF TEXAS | $86K | $0 | $86K | 4.15% |
| FRANK SWINGLE & ASSOCIATES, INC3 Filed as: FRANK SWINGLE & ASSOCIATES, INC. | 13760 NOEL RD STE 600 DALLAS, TX 75240 | DEARBORN LIFE INSURANCE COMPANY | $6K | $0 | $6K | 9.99% |
| FRANK SWINGLE & ASSOCIATES, INC3 | 13760 NOEL RD DALLAS, TX 75240 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $0 | $5K | 11.41% |
| THE CAPITAL GROUP LLC3 Filed as: CAPITAL FINANCIAL STRATEGIES | 7008 SALEM AVENUE LUBBOCK, TX 79424 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $938 | $4K | 9.65% |
| MANUEL FUENTES3 | 63 MARIPOSA PKWY WEST BOERNE, TX 78006 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $1K | $4K | 8.28% |
| BARBARA ANN BASTON3 | 5401 MANSEL LANE FORT WORTH, TX 76134 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $124 | $2K | 3.65% |
| GARY FANCHER INSURANCE PLLC3 | 1918 COOPER DR IRVING, TX 75061 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $836 | $65 | $901 | 2.04% |
| FREIDA LAUREN FANCHER3 | 3518 QUAIL CREST ST GRAPEVINE, TX 76051 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $770 | $0 | $770 | 1.75% |
| PRISCILLA ANN MENDOZA3 | 26326 ROCKWALL PKWY NEW BRAUNFELS, TX 78132 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $568 | $0 | $568 | 1.29% |
| FRANK SWINGLE & ASSOCIATES, INC3 | 13760 NOEL RD DALLAS, TX 75240 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 10.21% |
| THE CAPITAL GROUP LLC3 Filed as: CAPITAL FINANCIAL STRATEGIES | 7008 SALEM AVENUE SUITE 106 LUBBOCK, TX 79424 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $340 | $2K | 6.37% |
| MANUEL FUENTES3 | 63 MARIPOSA PKWY WEST BOERNE, TX 78006 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $932 | $422 | $1K | 5.66% |
| TIMOTHY J REED3 Filed as: TIMOTHY COBB | 11086 NW COUNTY ROAD 1370 BARRY, TX 75102 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $202 | $395 | $597 | 2.50% |
| GARY FANCHER INSURANCE PLLC3 | 1918 COOPER DR IRVING, TX 75061 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $359 | $25 | $384 | 1.61% |
| FREIDA LAUREN FANCHER3 | 3518 QUAIL CREST ST GRAPEVINE, TX 76051 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $166 | $0 | $166 | 0.69% |
| VIRGINIA LEDER-CLARK3 | 4513 BRINDLE WAY FLOWER MOUND, TX 75028 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $103 | $2 | $105 | 0.44% |
| FRANK SWINGLE & ASSOCIATES, INC3 | 13760 NOEL RD DALLAS, TX 75240 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $421 | $0 | $421 | 10.15% |
| MANUEL FUENTES3 | 63 MARIPOSA PKWY WEST BOERNE, TX 78006 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $250 | $118 | $368 | 8.87% |
| THE CAPITAL GROUP LLC3 Filed as: CAPITAL FINANCIAL STRATEGIES | 7008 SALEM AVENUE SUITE 106 LUBBOCK, TX 79424 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $242 | $70 | $312 | 7.52% |
| TIMOTHY J REED3 Filed as: TIMOTHY COBB | 11086 NW COUNTY ROAD 1370 BARRY, TX 75102 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $51 | $100 | $151 | 3.64% |
| GARY FANCHER INSURANCE PLLC3 | 1918 COOPER DR IRVING, TX 75061 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $83 | $6 | $89 | 2.15% |
| PRISCILLA ANN MENDOZA3 | 26326 ROCKWALL PKWY NEW BRAUNFELS, TX 78132 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32 | $0 | $32 | 0.77% |
| FREIDA LAUREN FANCHER3 | 3518 QUAIL CREST ST GRAPEVINE, TX 76051 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29 | $0 | $29 | 0.70% |
| FRANK SWINGLE & ASSOCIATES, INC3 | 13760 NOEL RD DALLAS, TX 75240 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $303 | $0 | $303 | 12.57% |
| MANUEL FUENTES3 | 63 MARIPOSA PKWY WEST BOERNE, TX 78006 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $57 | $22 | $79 | 3.28% |
| VIRGINIA LEDER-CLARK3 | 4513 BRINDLE WAY FLOWER MOUND, TX 75028 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35 | $5 | $40 | 1.66% |
| FREIDA LAUREN FANCHER3 | 3518 QUAIL CREST ST GRAPEVINE, TX 76051 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $38 | $0 | $38 | 1.58% |
| TIMOTHY J REED3 Filed as: TIMOTHY COBB | 11086 NW COUNTY ROAD 1370 BARRY, TX 75102 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | $23 | $35 | 1.45% |
| THE CAPITAL GROUP LLC3 Filed as: CAPITAL FINANCIAL STRATEGIES | 7008 SALEM AVENUE SUITE 106 LUBBOCK, TX 79424 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | $6 | $28 | 1.16% |
| GARY FANCHER INSURANCE PLLC3 | 1918 COOPER DR IRVING, TX 75061 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | $1 | $22 | 0.91% |
| MANUEL FUENTES3 | 63 MARIPOSA PKWY WEST BOERNE, TX 78006 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $89 | $43 | $132 | 11.88% |
| THE CAPITAL GROUP LLC3 Filed as: CAPITAL FINANCIAL STRATEGIES INC | 7008 SALEM AVENUE SUITE 106 LUBBOCK, TX 79424 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $89 | $26 | $115 | 10.35% |
| FRANK SWINGLE & ASSOCIATES, INC3 Filed as: FRANK SWINGLE & ASSOCIATES | 13760 NOEL RD DALLAS, TX 75240 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $106 | $0 | $106 | 9.54% |
| TIMOTHY J REED3 Filed as: TIMOTHY COBB | 11086 NW COUNTY ROAD 1370 BARRY, TX 75102 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | $35 | $53 | 4.77% |
| GARY FANCHER INSURANCE PLLC3 | 1918 COOPER DR IRVING, TX 75061 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28 | $2 | $30 | 2.70% |
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 | 170 | 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) | 170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 333 | $2.1M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 333 | $2.1M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 285 | $65K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 285 | $65K |
| Short-term disability(5 contracts) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 52 | $76K |
| Other(6 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 285 | $140K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 333 | — |
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.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.