| 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 | $52K | $0 | $52K | 4.37% |
| FRANK SWINGLE & ASSOCIATES, INC3 | 13760 NOEL RD STE 600 DALLAS, TX 75240 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 15.00% |
| FRANK SWINGLE & ASSOCIATES, INC3 | 13760 NOEL RD STE 600 DALLAS, TX 75240 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $963 | $963 | 3.44% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK STE A STE A BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $825 | $825 | 2.95% |
| FRANK SWINGLE & ASSOCIATES, INC3 | 13760 NOEL RD STE 600 DALLAS, TX 75240 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 15.00% |
| FRANK SWINGLE & ASSOCIATES, INC3 | 13760 NOEL RD STE 600 DALLAS, TX 75240 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $917 | $917 | 3.78% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK STE A BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $786 | $786 | 3.24% |
| FRANK SWINGLE & ASSOCIATES, INC3 | 13760 NOEL RD STE 600 DALLAS, TX 75240 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 15.00% |
| FRANK SWINGLE & ASSOCIATES, INC3 | 13760 NOEL RD STE 600 DALLAS, TX 75240 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $617 | $617 | 3.48% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK STE A BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $528 | $528 | 2.98% |
| FRANK SWINGLE & ASSOCIATES, INC3 | 13760 NOEL RD STE 600 DALLAS, TX 75240 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 15.00% |
| FRANK SWINGLE & ASSOCIATES, INC3 | 13760 NOEL RD STE 600 DALLAS, TX 75240 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $624 | $624 | 3.61% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK STE A BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $535 | $535 | 3.10% |
| FRANK SWINGLE & ASSOCIATES, INC3 | 13760 NOEL RD STE 600 DALLAS, TX 75240 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 10.00% |
| FRANK SWINGLE & ASSOCIATES, INC3 | 13760 NOEL RD STE 600 DALLAS, TX 75240 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $506 | $506 | 3.93% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK STE A BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $434 | $434 | 3.37% |
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 | 310 | 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) | 310 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 370 | $1.2M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 370 | $1.2M |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 85 | $13K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 270 | $42K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 51 | $18K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 46 | $28K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 270 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 370 | — |
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."
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.