| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANCO INS. SVC. OF BRYAN COLLEGE STA3 Filed as: ANCO INS SVCS OF BRYAN/COLLEGE STA | COLLEGE STATION BRYAN, TX 77805 | UNITED HEALTHCARE INSURANCE COMPANY | $27K | — | $27K | 1.77% |
| ANCO INS. SVC. OF BRYAN COLLEGE STA3 Filed as: ANCO INS SVCS OF BRYAN/COLLEGE STA | P.O. BOX 3389 BRYAN, TX 77805 | UNITED HEALTHCARE INSURANCE COMPANY | $12K | — | $12K | 0.83% |
| ANCO INS. SVC. OF BRYAN COLLEGE STA3 Filed as: ANCO INSURANCE | P.O. BOX 3389 BRYAN, TX 77805 | UNITED HEALTHCARE INSURANCE COMPANY | $138K | — | $138K | 10.03% |
| ANCO INS. SVC. OF BRYAN COLLEGE STA3 Filed as: ANCO INS SVCS OF BRYAN | 111 BRIARCREST DRIVE BRYAN, TX 77802 | SUN LIFE ASSURANCE COMPANY OF CANADA | $77K | — | $77K | 9.21% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUM RX, INC EIN 33-0441200 N/A | Other fees; Claims processing; Direct payment from the plan; Float revenue Service code 12 | — | $1.7M |
| UMR, INC EIN 39-1995276 N/A | Claims processing Service code 12 | — | $438K |
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 | 4,423 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 4,423 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 3,809 | $1.5M |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 3,809 | $1.5M |
| Life insurance | UNITED HEALTHCARE INSURANCE COMPANY | 2,951 | $1.4M |
| Short-term disability | UNITED HEALTHCARE INSURANCE COMPANY | 2,951 | $1.4M |
| Long-term disability | UNITED HEALTHCARE INSURANCE COMPANY | 2,951 | $1.4M |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,135 | $833K |
| Other | UNITED HEALTHCARE INSURANCE COMPANY | 2,951 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,809 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.