| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRANK SWINGLE & ASSOCIATES, INC3 | 13760 NOEL RD STE 600 DALLAS, TX 75240 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $36K | $36K | 5.51% |
| FRANK SWINGLE & ASSOCIATES, INC3 Filed as: FRANK SWINGLE & ASSOCIATES INC | 13760 NOEL RD STE 600 DALLAS, TX 75240 | PRINCIPAL LIFE INSURANCE COMPANY | $12K | $0 | $12K | 11.50% |
| ROGERS BENEFIT GROUP INC3 | 12222 MERIT DR STE 1780 DALLAS, TX 75251 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $5K | $5K | 4.51% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 12222 MERIT DR STE 1780 DALLAS, TX 75251 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $495 | $495 | 0.48% |
| JASON EVERETT3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 16.39% |
| THE HORTON GROUP3 Filed as: ALEX MARQUEZ | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 14.87% |
| NATALIE MALHAM3 Filed as: NATALIE TACKETT | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 13.56% |
| RYANN J. MCCARTHY3 Filed as: RYANN BERTRAND | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 4.02% |
| ULYSSES SANCHEZ3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 3.84% |
| BRIANA LYNN HADORN3 Filed as: BRIANA MENDOZA | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 3.52% |
| STEVEN GAITHER3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 3.28% |
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 | 138 | 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) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 150 | $647K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 166 | $104K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 166 | $104K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 166 | $104K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 166 | $104K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 166 | $104K |
| Other | LIBERTY NATIONAL LIFE INSURANCE COMPANY | 91 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 166 | — |
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.