| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANCO INS. SVC. OF BRYAN COLLEGE STA3 Filed as: ANCO INSURANCE SERVICES OF BRYAN | 1111 BRIARCREST DR. BRYAN, TX 77802 | AETNA LIFE INSURANCE CO. | -$7 | $0 | -$7 | -0.00% |
| ANCO INS. SVC. OF BRYAN COLLEGE STA3 Filed as: ANCO INSURANCE SERVICES OF BRYAN | 1111 BRIARCREST DR. BRYAN, TX 77802 | PRINCIPAL LIFE INSURANCE CO. | $16K | $13K | $29K | 20.64% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH, LLC | 200 GALLERIA PKWY SE, STE 1950 ATLANTA, GA 30339 | PRINCIPAL LIFE INSURANCE CO. | $0 | $6K | $6K | 4.42% |
| ANCO INS. SVC. OF BRYAN COLLEGE STA3 Filed as: ANCO INSURANCE SERVICES OF BRYAN | 1111 BRIARCREST DR. BRYAN, TX 77802 | METROPOLITAN LIFE INSURANCE CO. | $1K | $199 | $2K | 21.11% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH, LLC | 325 N. KIRKWOOD RD., STE 300 KIRKWOOD, MO 63122 | METROPOLITAN LIFE INSURANCE CO. | $335 | $134 | $469 | 6.43% |
| ANCO INS. SVC. OF BRYAN COLLEGE STA3 Filed as: ANCO INSURANCE SERVICES OF BRYAN | 1111 BRIARCREST DR. BRYAN, TX 77802 | METROPOLITAN LIFE INSURANCE CO. | $1K | $200 | $1K | 21.63% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH, LLC | 325 N. KIRKWOOD RD., STE 300 KIRKWOOD, MO 63122 | METROPOLITAN LIFE INSURANCE CO. | $314 | $126 | $440 | 6.53% |
| ANCO INS. SVC. OF BRYAN COLLEGE STA3 Filed as: ANCO INSURANCE SERVICES OF BRYAN | 1111 BRIARCREST DR. BRYAN, TX 77802 | METROPOLITAN LIFE INSURANCE CO. | $583 | $100 | $683 | 22.61% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH, LLC | 325 N. KIRKWOOD RD., STE 300 KIRKWOOD, MO 63122 | METROPOLITAN LIFE INSURANCE CO. | $146 | $58 | $204 | 6.75% |
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 | 175 | 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) | 175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 243 | $1.0M |
| Dental | PRINCIPAL LIFE INSURANCE CO. | 278 | $142K |
| Vision | PRINCIPAL LIFE INSURANCE CO. | 278 | $142K |
| Life insurance | PRINCIPAL LIFE INSURANCE CO. | 278 | $142K |
| Short-term disability | PRINCIPAL LIFE INSURANCE CO. | 278 | $142K |
| Long-term disability | PRINCIPAL LIFE INSURANCE CO. | 278 | $142K |
| Other(3 contracts) | METROPOLITAN LIFE INSURANCE CO. | 78 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 278 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.