| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANCO INS. SVC. OF BRYAN COLLEGE STA Filed as: ANCO INS SVCS OF BRYAN | 1111 BRIARCREST DRIVE BRYAN, TX 77802 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $78K | $78K | 8.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CLAIM TECHNOLOGIES INCORPORATED EIN 42-1350583 | Claims processing Service code 12 | 100 COURT AVENUE DES MONIES, IA 50309 | $411K |
| UMR, INCORPORATED EIN 39-1995276 | Claims processing Service code 12 | 11 SCOTT STREET WAUSAU, WI 544034808 | $339K |
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 | 3,430 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 3,430 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,100 | $873K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,100 | — |
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.