| 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 | P.O. BOX 3889 BRYAN, TX 77805 | UNITED HEALTHCARE INSURANCE COMPANY | $54K | — | $54K | 3.01% |
| ANCO INS. SVC. OF BRYAN COLLEGE STA3 Filed as: ANCO INSURANCE | P.O. BOX 3889 BRYAN, TX 77805 | UNITED HEALTHCARE INSURANCE COMPANY | $155K | — | $155K | 9.60% |
| ANCO INS. SVC. OF BRYAN COLLEGE STA3 Filed as: ANCO INS SVCS OF BRYAN/COLLEGE STA | P.O. BOX 3889 BRYAN, TX 77805 | SUN LIFE ASSURANCE COMPANY OF CANADA | $95K | $11K | $106K | 9.99% |
| UMR, INC.3 Filed as: UMR INC | 11 SCOTT ST, STE 100 WAUSAU, WI 54403 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $6K | $6K | 0.59% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY #2-125 AUSTIN, TX 78746 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $3K | $3K | 0.30% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUM RX, INC EIN 33-0441200 N/A | Direct payment from the plan; Claims processing; Other fees; Float revenue Service code 12 | — | $2.6M |
| UMR, INC EIN 39-1995276 N/A | Claims processing Service code 12 | — | $435K |
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 | 4,872 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 4,872 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 4,295 | $1.8M |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 4,295 | $1.8M |
| Life insurance | UNITED HEALTHCARE INSURANCE COMPANY | 3,126 | $1.6M |
| Short-term disability | UNITED HEALTHCARE INSURANCE COMPANY | 3,126 | $1.6M |
| Long-term disability | UNITED HEALTHCARE INSURANCE COMPANY | 3,126 | $1.6M |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,430 | $1.1M |
| Other | UNITED HEALTHCARE INSURANCE COMPANY | 3,126 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,295 | — |
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.