| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANCO INS. SVC. OF BRYAN COLLEGE STA3 Filed as: ANCO INSURANCE BRYAN COLLEGE | 1111 BRIARCREST DR BRYAN, TX 77802 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $85K | $27K | $111K | 5.33% |
| ANCO INS. SVC. OF BRYAN COLLEGE STA3 Filed as: ANCO INSURANCE BRYAN COLLEGE | 1111 BRIARCREST DR BRYAN, TX 77802 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $202K | $19K | $221K | 12.56% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH, LLC | 325 N. KIRKWOOD RD, SUITE 300 KIRKWOOD, MO 63122 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $16K | — | $16K | 0.91% |
| 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 | — | $3.7M |
| UMR, INC EIN 39-1995276 N/A | Claims processing Service code 12 | — | $1.0M |
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 | 5,959 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 5,959 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,857 | $2.1M |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,857 | $2.1M |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 3,698 | $1.8M |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 3,698 | $1.8M |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 3,698 | $1.8M |
| Stop-loss / reinsurancereinsurance | STEALTH PARTNER GROUP - QBE INS CORP | 1,620 | $1.0M |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 3,698 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,698 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.