| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANCO INS. SVC. OF BRYAN COLLEGE STA3 Filed as: ANCO INSURANCE MANAGERS, INC. | 1111 BRIARCREST DR. BRYAN, TX 77802 | CURATIVE INSURANCE CO. | $16K | $0 | $16K | 6.00% |
| ANCO INS. SVC. OF BRYAN COLLEGE STA3 Filed as: ANCO INSURANCE SERVICES OF BRYAN CS | PO BOX 3889 BRYAN, TX 77805 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 9.04% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 KIRKWOOD RD., STE 300 KIRKWOOD, MO 63122 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $617 | $2K | 5.32% |
| ANCO INS. SVC. OF BRYAN COLLEGE STA3 Filed as: ANCO INSURANCE SERVICES OF BRYAN CS | PO BOX 3889 BRYAN, TX 77805 | METROPOLITAN LIFE INSURANCE COMPANY | $845 | $0 | $845 | 19.73% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD RD., STE 300 KIRKWOOD, MO 63122 | METROPOLITAN LIFE INSURANCE COMPANY | $211 | $94 | $305 | 7.12% |
| ANCO INS. SVC. OF BRYAN COLLEGE STA3 Filed as: ANCO INSURANCE SERVICES OF BRYAN CS | PO BOX 3889 BRYAN, TX 77805 | METROPOLITAN LIFE INSURANCE COMPANY | $415 | $0 | $415 | 13.94% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD RD., STE 300 KIRKWOOD, MO 63122 | METROPOLITAN LIFE INSURANCE COMPANY | $139 | $55 | $194 | 6.52% |
| ANCO INS. SVC. OF BRYAN COLLEGE STA3 Filed as: ANCO INSURANCE SERVICES OF BRYAN CS | PO BOX 3880 BRYAN, TX 77805 | METROPOLITAN LIFE INSURANCE CO. | $536 | $0 | $536 | 18.65% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD RD., STE 300 KIRKWOOD, MO 63122 | METROPOLITAN LIFE INSURANCE CO. | $134 | $54 | $188 | 6.54% |
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 | 115 | 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) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CURATIVE INSURANCE CO. | 44 | $265K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 132 | $40K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 132 | $40K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 132 | $40K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 132 | $40K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 132 | $40K |
| Prescription drug | CURATIVE INSURANCE CO. | 44 | $265K |
| Stop-loss / reinsurancereinsurance | CURATIVE INSURANCE CO. | 44 | $265K |
| Other(4 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 132 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 132 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.