| 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 | CIGNA HEALTH AND LIFE INSURANCE CO. | $50K | $6K | $56K | 14.55% |
| ANCO INS. SVC. OF BRYAN COLLEGE STA3 Filed as: ANCO INSURANCE SERVICES OF BRYAN | 1111 BRIARCREST DR. BRYAN, TX 77802 | GUARDIAN | $5K | $0 | $5K | 7.61% |
| TEXAS AUTO DEALERS ASSOCIATION3 Filed as: TEXAS REPUBLIC LIFE SOLUTIONS | 13215 BEE CAVE PKWY., STE A120 AUSTIN, TX 78738 | GUARDIAN | $2K | $0 | $2K | 3.68% |
| CARLISLE-LYNCH, LLC3 | 208 HEWITT DR., STE 103-339 WACO, TX 76712 | GUARDIAN | $2K | $0 | $2K | 3.03% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH | 325 N. KIRKWOOD RD., STE 300 KIRKWOOD, MO 63122 | GUARDIAN | $1K | $0 | $1K | 1.76% |
| RETHINK WEALTH LLC3 Filed as: RETHINK WEALTH, LLC | 3040 POST OAK BLVD STE 1150 HOUSTON, TX 77056 | GUARDIAN | $23 | $0 | $23 | 0.04% |
| TEXAS AUTO DEALERS ASSOCIATION3 Filed as: TEXAS REPUBLIC LIFE SOLUTIONS | 13215 BEE CAVE PKWY., STE A120 AUSTIN, TX 78738 | ASSURITY LIFE INSURANCE CO. | $6K | $0 | $6K | 22.32% |
| NATIONAL MGA INSURANCE ALLIANCE INC3 Filed as: NATIONAL MGA INSURANCE ALLIANCE | 405 W JEFFERSON ST. BROWNSVILLE, TX 78520 | ASSURITY LIFE INSURANCE CO. | $366 | $0 | $366 | 1.48% |
| CARLYN GROUP3 | 208 HEWITT DR., STE 103-339 WACO, TX 76712 | TEXAS REPUBLIC LIFE INSURANCE COMPANY | $12K | $0 | $12K | 55.09% |
| RICKIE LYNCH3 | PO BOX 534 EDDY, TX 76524 | TEXAS REPUBLIC LIFE INSURANCE COMPANY | $1K | $0 | $1K | 6.46% |
| SABRINA KAYE LYNCH3 Filed as: SABRINA LYNCH | 1208 DEXFORD DR. AUSTIN, TX 78753 | TEXAS REPUBLIC LIFE INSURANCE COMPANY | $0 | $1K | $1K | 4.65% |
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) | CIGNA HEALTH AND LIFE INSURANCE CO. | 157 | $386K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE CO. | 157 | $386K |
| Vision | GUARDIAN | 181 | $61K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN | 181 | $83K |
| Short-term disability | GUARDIAN | 181 | $61K |
| Long-term disability | GUARDIAN | 181 | $61K |
| Other(2 contracts, 2 carriers) | GUARDIAN | 181 | $86K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 181 | — |
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.