| 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 | $43K | $0 | $43K | 4.50% |
| FRANK SWINGLE & ASSOCIATES, INC3 | 13760 NOEL RD. SUITE 600 DALLAS, TX 75240 | CALIFORNIA PHYSICIANS' SERVICE | $5K | $0 | $5K | 5.00% |
| SARDARYAN, IRINA3 | 130 N. BRAND BLVD., 310 GLENDALE, CA 91203 | CALIFORNIA PHYSICIANS' SERVICE | $0 | $2K | $2K | 2.38% |
| RYAN D. HANRATTY3 | 13760 NOEL ROAD SUITE 600 DALLAS, TX 75240 | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | $9K | $0 | $9K | 10.00% |
| SWINGLE COLLINS & ASSOCIATES3 | 3760 NOEL ROAD SUITE 600 DALLAS, TX 75240 | ZURICH AMERICAN INSURANCE COMPANY | $11K | $0 | $11K | 17.86% |
| HOORAY HEALTH LLC3 Filed as: HOORAY HEALTH | — | ZURICH AMERICAN INSURANCE COMPANY | $7K | $0 | $7K | 10.64% |
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 | 205 | 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) | 205 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 184 | $1.1M |
| Dental | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 290 | $86K |
| Vision | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 290 | $86K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 290 | — |
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.