| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANCO INS. SVC. OF BRYAN COLLEGE STA3 Filed as: ANCO INSURANCE SERVICES OF BRYAN CS | 1111 BRIARCREST DR. BRYAN, TX 77802 | CIGNA HEALTH AND LIFE INSURANCE CO. | $149K | $16K | $165K | 14.37% |
| ANCO INS. SVC. OF BRYAN COLLEGE STA3 Filed as: ANCO INSURANCE SERVICES OF BRYAN CS | 1111 BRIARCREST DR. BRYAN, TX 77802 | AETNA LIFE INSURANCE CO. | $23K | $0 | $23K | 9.82% |
| ANCO INS. SVC. OF BRYAN COLLEGE STA3 Filed as: ANCO INSURANCE SERVICES OF BRYAN CS | 1111 BRIARCREST DR. BRYAN, TX 77802 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $15K | $0 | $15K | 10.00% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 669 RIVER DRIVE CENTER II, STE 305 ELMWOOD PARK, NJ 07407 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $4K | $4K | 2.41% |
| ANCO INS. SVC. OF BRYAN COLLEGE STA3 Filed as: ANCO INSURANCE SERVICES OF BRYAN CS | 1111 BRIARCREST DR. BRYAN, TX 77802 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | $0 | $10K | 10.00% |
| ASSUREDPARTNERS Filed as: EMERSON ROGERS LLC | 669 RIVER DRIVE CENTER II, STE 305 ELMWOOD PARK, NJ 07407 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $2K | $2K | 1.98% |
| ANCO INS. SVC. OF BRYAN COLLEGE STA3 Filed as: ANCO INSURANCE SERVICES OF BRYAN CS | 1111 BRIARCREST DR. BRYAN, TX 77802 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $0 | $5K | 10.00% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DRIVE CENTER II, STE 305 ELMWOOD PARK, NJ 07407 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $1K | $1K | 2.29% |
| ANCO INS. SVC. OF BRYAN COLLEGE STA3 Filed as: ANCO INSURANCE SERVICES OF BRYAN CS | 1111 BRIARCREST DR. BRYAN, TX 77802 | CIGNA HEALTH AND LIFE INSURANCE CO. | $3K | $0 | $3K | 13.62% |
| ANCO INS. SVC. OF BRYAN COLLEGE STA3 Filed as: ANCO INSURANCE SERVICES OF BRYAN CS | 1111 BRIARCREST DR. BRYAN, TX 77802 | ANCO INSURANCE SERVICES OF BRYAN CS | $3K | $0 | $3K | 13.60% |
| ANCO INS. SVC. OF BRYAN COLLEGE STA3 Filed as: ANCO INSURANCE SERVICES OF BRYAN CS | 1111 BRIARCREST DR. BRYAN, TX 77802 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 10.00% |
| ASSUREDPARTNERS Filed as: EMERSON ROGERS, LLC | 669 RIVER DR. CENTER II, STE 305 ELMWOOD PARK, NJ 07407 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $340 | $340 | 2.19% |
| ANCO INS. SVC. OF BRYAN COLLEGE STA3 Filed as: ANCO INSURANCE SERVICES OF BRYAN CS | 1111 BRIARCREST DR. BRYAN, TX 77802 | CIGNA HEALTH AND LIFE INSURANCE CO. | $70 | $0 | $70 | 13.70% |
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 | 372 | 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) | 372 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE CO. | 458 | $1.1M |
| Dental | AETNA LIFE INSURANCE CO. | 651 | $230K |
| Vision | AETNA LIFE INSURANCE CO. | 651 | $230K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $114K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $149K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $54K |
| Other(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE CO. | 0 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 651 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.