| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANCO INS. SVC. OF BRYAN COLLEGE STA3 Filed as: ANCO INS. SVCS. OF BRYAN/C.S. | 1111 BRIARCREST DR. BRYAN, TX 77802 | GUARDIAN | $7K | $0 | $7K | 5.22% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX INSURANCE AGENCY INC. | 225 KENNETH DR. ROCHESTER, NY 14623 | GUARDIAN | $6K | $492 | $7K | 5.12% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH, LLC | 325 N. KIRKWOOD RD., STE 300 KIRKWOOD, MO 63122 | GUARDIAN | $3K | $0 | $3K | 2.57% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE | 32110 AGOURA RD. WESTLAKE VILLIAGE, CA 91361 | GUARDIAN | $3K | $0 | $3K | 2.38% |
| BRADLEY ASSOCIATES INSURANCE3 | 3300 D N. MAIN ST., STE 100 ANDERSON, SC 29621 | GUARDIAN | $142 | $0 | $142 | 0.11% |
| RWR INSURANCE SERVICES LLC3 Filed as: RWR INSURANCE SERVICES | 701 PALOMAR AIRPORT RD. #260 CARLSBAD, CA 92011 | GUARDIAN | $142 | $0 | $142 | 0.11% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP | 9909 MIRA MESA BLVD., STE 160 SAN DIEGO, CA 92131 | GUARDIAN | $71 | $0 | $71 | 0.05% |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 141 | $135K |
| Vision | GUARDIAN | 141 | $135K |
| Life insurance | GUARDIAN | 141 | $135K |
| Other | GUARDIAN | 141 | $135K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 141 | — |
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.