| 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 | BLUE CROSS BLUE SHIELD OF TEXAS | $32K | $0 | $32K | 3.33% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS, INC. | 1111 BRIARCREST DR. BRYAN, TX 77802 | GUARDIAN | $14K | $3K | $16K | 12.19% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD RD., STE 300 KIRKWOOD, MO 63122 | GUARDIAN | $5K | $0 | $5K | 3.55% |
| CARLISLE-LYNCH, LLC3 | 208 HEWITT STE 103-339 WOODWAY, TX 76712 | GUARDIAN | $3K | $0 | $3K | 2.18% |
| TEXAS AUTO DEALERS ASSOCIATION3 Filed as: TEXAS REPUBLIC LIFE SOLUTIONS INC. | — | ASSURITY LIFE INSURANCE COMPANY | $9K | $0 | $9K | 27.77% |
| NATIONAL MGA INSURANCE ALLIANCE INC3 | — | ASSURITY LIFE INSURANCE COMPANY | $861 | $0 | $861 | 2.68% |
| CARLYN GROUP3 | 208 HEWITT DR., STE 103-339 WACO, TX 76712 | TEXAS REPUBLIC LIFE INSURANCE CO. | $12K | $0 | $12K | 42.33% |
| SABRINA KAYE LYNCH3 Filed as: SABRINA LYNCH | 1208 DEXFORD DR. AUSTIN, TX 78753 | TEXAS REPUBLIC LIFE INSURANCE CO. | $0 | $1K | $1K | 4.52% |
| RICKIE LYNCH3 | PO BOX 534 EDDY, TX 76524 | TEXAS REPUBLIC LIFE INSURANCE CO. | $1K | $0 | $1K | 4.10% |
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 | 172 | 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) | 172 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF TEXAS | 134 | $949K |
| Dental | GUARDIAN | 191 | $134K |
| Vision | GUARDIAN | 191 | $134K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN | 191 | $161K |
| Short-term disability | GUARDIAN | 191 | $134K |
| Long-term disability | GUARDIAN | 191 | $134K |
| Other(2 contracts, 2 carriers) | GUARDIAN | 191 | $166K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 191 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.