| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRANK SWINGLE & ASSOCIATES, INC3 Filed as: FRANK SWINGLE & ASSOCIATES, INC. | — | BLUECROSS BLUESHIELD OF TEXAS | $57K | $1K | $59K | 4.78% |
| FRANK SWINGLE & ASSOCIATES, INC3 | 13760 NOEL RD STE 600 DALLAS, TX 75240 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $888 | $5K | 17.90% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK STE A BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $761 | $761 | 2.49% |
| FRANK SWINGLE & ASSOCIATES, INC3 | 13760 NOEL RD STE 600 DALLAS, TX 75240 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $658 | $4K | 17.61% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $564 | $564 | 2.24% |
| FRANK SWINGLE & ASSOCIATES, INC3 | 13760 NOEL RD STE 600 DALLAS, TX 75240 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $730 | $4K | 18.06% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK STE A BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $626 | $626 | 2.62% |
| FRANK SWINGLE & ASSOCIATES, INC3 | 13760 NOEL RD STE 600 DALLAS, TX 75240 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $594 | $4K | 17.70% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $509 | $509 | 2.32% |
| FRANK SWINGLE & ASSOCIATES, INC3 | 13760 NOEL RD STE 600 DALLAS, TX 75240 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $390 | $2K | 12.87% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $335 | $335 | 2.46% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ABY BENEFITS LLC EIN 47-2794504 ADMINISTRATOR | Claims processing; Recordkeeping fees Service code 12 | — | $2K |
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 | 388 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 392 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 517 | $1.2M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 517 | $1.2M |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 145 | $14K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 378 | $46K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 100 | $25K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 90 | $31K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 378 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 517 | — |
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.