| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL RD LYNCHBURG, VA 245024317 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | $34K | $41K | 2.94% |
| ANCO INS. SVC. OF BRYAN COLLEGE STA3 Filed as: ANCO INS SVCS OF BRYAN COLL STA INC | PO BOX 3889 BRYAN, TX 77805 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | $26K | $31K | 2.25% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL RD LYNCHBURG, VA 24502 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 9.80% |
| ANCO INS. SVC. OF BRYAN COLLEGE STA3 Filed as: ANCO INS SVCS OF BRYAN COLL STA INC | PO BOX 3889 BRYAN, TX 77805 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $656 | $2K | 7.58% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $670 | $670 | 2.43% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY SUITE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $234 | $234 | 0.85% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL RD LYNCHBURG, VA 24502 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 9.80% |
| ANCO INS. SVC. OF BRYAN COLLEGE STA3 Filed as: ANCO INS SVCS OF BRYAN COLL STA INC | PO BOX 3889 BRYAN, TX 77805 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $612 | $2K | 7.62% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $614 | $614 | 2.43% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY SUITE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $218 | $218 | 0.86% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL RD LYNCHBURG, VA 24502 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 9.77% |
| ANCO INS. SVC. OF BRYAN COLLEGE STA3 Filed as: ANCO INS SVCS OF BRYAN COLL STA INC | PO BOX 3889 BRYAN, TX 77805 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $497 | $2K | 7.27% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $595 | $595 | 2.44% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY SUITE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $177 | $177 | 0.73% |
| ANCO INS. SVC. OF BRYAN COLLEGE STA3 Filed as: ANCO INS SVCS OF BRYAN COLL STA INC | PO BOX 3889 BRYAN, TX 77805 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $878 | $682 | $2K | 6.81% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL RD LYNCHBURG, VA 24502 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 6.17% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $439 | $439 | 1.92% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY SUITE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $244 | $244 | 1.07% |
| ANCO INS. SVC. OF BRYAN COLLEGE STA3 Filed as: ANCO INS SVCS OF BRYAN COLL STA INC | PO BOX 3889 BRYAN, TX 77805 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $864 | $493 | $1K | 9.45% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL RD LYNCHBURG, VA 24502 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 8.98% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $403 | $403 | 2.81% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY SUITE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $176 | $176 | 1.23% |
| ANCO INS. SVC. OF BRYAN COLLEGE STA3 Filed as: ANCO INS SVCS OF BRYAN COLL STA INC | PO BOX 3889 BRYAN, TX 77805 | FIDELITY SECURITY LIFE INSURANCE | $2K | $1K | $3K | 29.50% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL RD LYNCHBURG, VA 24502 | SUN LIFE ASSURANCE COMPANY OF CANADA | $591 | — | $591 | 6.72% |
| ANCO INS. SVC. OF BRYAN COLLEGE STA3 Filed as: ANCO INS SVCS OF BRYAN COLL STA INC | 1111 BRIARCREST DR. BRYAN, TX 77802 | SUN LIFE ASSURANCE COMPANY OF CANADA | $491 | — | $491 | 5.59% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY #2-125 AUSTIN, TX 78746 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $38 | $38 | 0.43% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | SUN LIFE ASSURANCE COMPANY OF CANADA | $14 | — | $14 | 0.16% |
| ANCO INS. SVC. OF BRYAN COLLEGE STA3 Filed as: ANCO INS SVCS OF BRYAN COLL STA INC | PO BOX 3889 BRYAN, TX 77805 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | — |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY SUITE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $596 | $596 | — |
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 | 194 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 12 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 206 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 353 | $1.4M |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 0 | $0 |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 141 | $23K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 195 | $39K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 195 | $28K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 195 | $25K |
| Other(4 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 195 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 353 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.