| 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 | $58K | $1K | $60K | 4.61% |
| FRANK SWINGLE & ASSOCIATES, INC3 Filed as: FRANK SWINGLE & ASSOCIATES INC | 13760 NOEL RD STE 600 DALLAS, TX 75240 | PRINCIPAL LIFE INSURANCE COMPANY | $12K | $0 | $12K | 11.37% |
| JOHN F MOORE3 | 2 LINCOLN CENTRE # 1300 5420 LYNDON B JOHNSON DALLAS, TX 75240 | NORTHWESTERN MUTUAL | $4K | $1K | $5K | 8.17% |
| CRUSE FNCL GROUP INC3 | 2 LINCOLN CENTRE # 1300 5420 LYNDON B JOHNSON DALLAS, TX 75240 | NORTHWESTERN MUTUAL | $920 | $110 | $1K | 1.62% |
| CHARLES HERMAN ARMSTRONG3 | 2 LINCOLN CENTRE # 1300 5420 LYNDON B JOHNSON DALLAS, TX 75240 | NORTHWESTERN MUTUAL | $460 | $116 | $576 | 0.91% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ABY BENEFITS, LLC EIN 47-2794504 ADMINISTRATOR | Claims processing; Recordkeeping fees Service code 12 | — | $9K |
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 | 122 | 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) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 206 | $1.3M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 183 | $110K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 183 | $110K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 183 | $110K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 183 | $110K |
| Long-term disability | NORTHWESTERN MUTUAL | 107 | $63K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 183 | $110K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 206 | — |
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.
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.