| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRANK SWINGLE & ASSOCIATES, INC3 Filed as: FRANK SWINGLE & ASSOCIATES,INC | — | BLUECROSS BLUESHIELD OF TEXAS | $27K | — | $27K | 7.89% |
| ROGERS BENEFIT GROUP INC3 | — | BLUECROSS BLUESHIELD OF TEXAS | $8K | — | $8K | 2.37% |
| FRANK SWINGLE & ASSOCIATES, INC3 Filed as: FRANK SWINGLE & ASSOCIATES INC | 13760 NOEL RD STE 600 DALLAS, TX 752401381 | HUMANA INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| FRANK SWINGLE & ASSOCIATES, INC3 Filed as: FRANK A SWINGLE | 13760 NOEL RD SUITE 600 DALLAS, TX 75240 | HARTFORD LIFE AND ACCIDENT | $1K | — | $1K | 15.35% |
| LG INS MANAGEMENT SVCS LP3 Filed as: LG INS MANAGEMENT SERVICES LP | STE 1205 12900 PRESTON RD DALLAS, TX 752301371 | HARTFORD LIFE AND ACCIDENT | -$28 | — | -$28 | -0.34% |
| FRANK SWINGLE & ASSOCIATES, INC3 Filed as: FRANK SWINGLE & ASSOCIATES, INC. | — | ACE AMERICAN INSURANCE COMPANY | $714 | — | $714 | 10.01% |
| FRANK SWINGLE & ASSOCIATES, INC3 Filed as: FRANK SWINGLE & ASSOCIATES,INC. | — | ACE AMERICAN INSURANCE COMPANY | $50 | — | $50 | 10.06% |
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 | 70 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 80 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 96 | $346K |
| Dental | HUMANA INSURANCE COMPANY | 51 | $49K |
| Vision(2 contracts) | ACE AMERICAN INSURANCE COMPANY | 56 | $8K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 70 | $8K |
| Other | HARTFORD LIFE AND ACCIDENT | 70 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 96 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.