| 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 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $49K | $49K | 4.71% |
| FRANK SWINGLE & ASSOCIATES, INC3 Filed as: FRANK SWINGLE & ASSOCIATES INC | 13760 NOEL RD STE 600 DALLAS, TX 75240 | HUMANA | $12K | $0 | $12K | 9.70% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP INC-CORPORATE | 5110 N 40TH ST STE 234 PHOENIX, AZ 85018 | HUMANA | $0 | $135 | $135 | 0.11% |
| TEXAS INSURANCE BROKERAGE LLC3 | 200 S OAKRIDGE DR STE 101 #434 HUDSON OAKS, TX 76087 | HUMANA | $7 | $0 | $7 | 0.01% |
| FRANK SWINGLE & ASSOCIATES, INC3 Filed as: FRANK SWINGLE & ASSOCIATES INC | 13760 NOEL RD STE 600 DALLAS, TX 75240 | GUARDIAN | $6K | $0 | $6K | 15.00% |
| ROGERS BENEFIT GROUP INC3 | 9909 MIRA MESA BLVD STE 160 SAN DIEGO, CA 92131 | GUARDIAN | $2K | $0 | $2K | 5.00% |
| FOCUS 10 LIFE, INC3 Filed as: FOCUS 10 LIFE, INC. | — | AMERITAS LIFE INSURANCE COMPANY | $2K | $5K | $7K | 41.50% |
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 | 145 | 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) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 232 | $1.0M |
| Dental | HUMANA | 122 | $122K |
| Vision | HUMANA | 122 | $122K |
| Life insurance(2 contracts, 2 carriers) | HUMANA | 122 | $140K |
| Short-term disability | GUARDIAN | 63 | $39K |
| Long-term disability | GUARDIAN | 63 | $39K |
| Other | HUMANA | 122 | $122K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 232 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.