| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANCO INS. SVC. OF BRYAN COLLEGE STA3 Filed as: ANCO INS. SVCS. OF BRYAN/C.S. | 1111 BRIARCREST DR. BRYAN, TX 77802 | BLUE CROSS BLUE SHIELD OF TEXAS | $119K | $17K | $136K | 3.76% |
| ANCO INS. SVC. OF BRYAN COLLEGE STA3 Filed as: ANCO INS. SVCS. OF BRYAN/C.S. | 1111 BRIARCREST DR. BRYAN, TX 77802 | PRINCIPAL LIFE INSURANCE COMPANY | $57K | $8K | $65K | 13.60% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH, LLC | 200 GALLERIA PKWY. SE., STE. 1950 ATLANTA, GA 30339 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $20K | $20K | 4.23% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL LIMITED | 150 N. RIVERSIDE PLZ, STE 1700 CHICAGO, IL 60606 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $6K | $6K | 1.18% |
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 | 247 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 249 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 524 | $3.6M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 565 | $481K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 565 | $481K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 565 | $481K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 565 | $481K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 565 | $481K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 565 | $481K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 565 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.