| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY, INC | — | AETNA | $2K | $7K | $8K | 5.21% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | — | AETNA | $3K | — | $3K | 1.74% |
| FRANK SWINGLE & ASSOCIATES, INC3 Filed as: FRANK SWINGLE & ASSOCIATES, INC. | — | AETNA | — | $636 | $636 | 0.40% |
| FROST INSURANCE AGENCY INC3 | PO BOX 225749 DALLAS, TX 75222 | AMERITAS LIFE INSURANCE CORP. | $6K | — | $6K | 5.45% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FINANCIAL S | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | AMERITAS LIFE INSURANCE CORP. | $3K | — | $3K | 2.88% |
| FRANK SWINGLE & ASSOCIATES, INC3 Filed as: FRANK SWINGLE AND ASSOCIATES INC | 13760 NOEL ROAD SUITE 600 DALLAS, TX 75240 | AMERITAS LIFE INSURANCE CORP. | $970 | — | $970 | 0.96% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGCY INC | — | AMERICAN UNITED LIFE INSURANCE COMPANY | $3K | — | $3K | 12.45% |
| FRANK SWINGLE & ASSOCIATES, INC3 Filed as: FRANK SWINGLE AND ASSOCS | — | AMERICAN UNITED LIFE INSURANCE COMPANY | $613 | — | $613 | 2.55% |
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 | 107 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA | 26 | $159K |
| Dental | AMERITAS LIFE INSURANCE CORP. | 69 | $101K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 69 | $101K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 110 | $24K |
| Other | AMERICAN UNITED LIFE INSURANCE COMPANY | 110 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 110 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.