| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANCO INS. SVC. OF BRYAN COLLEGE STA3 | 1111 BRIARCREST DR. BRYAN, TX 77802 | AETNA LIFE INSURANCE CO. | $0 | $19K | $19K | 0.33% |
| ANCO INS. SVC. OF BRYAN COLLEGE STA3 | 1111 BRIARCREST DR. BRYAN, TX 77802 | PRINCIPAL LIFE INSURANCE COMPANY | $97K | $53K | $150K | 19.36% |
| CENTRO BENEFITS RESEARCH LLC3 | 200 GALLERIA PKWY SE, STE 1950 ATLANTA, GA 30339 | PRINCIPAL LIFE INSURANCE COMPANY | $20K | $0 | $20K | 2.64% |
| ANCO INS. SVC. OF BRYAN COLLEGE STA3 | 1111 BRIARCREST DR. BRYAN, TX 77802 | TEXAS REPUBLIC LIFE INSURANCE CO. | $29K | $0 | $29K | 160.53% |
| CARLIN GROUP3 | 208 HEWITT DR. STE 103-339 WACO, TX 76712 | TEXAS REPUBLIC LIFE INSURANCE CO. | $26K | $0 | $26K | 145.01% |
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 | 632 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 633 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 951 | $5.8M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 1,153 | $776K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 1,153 | $776K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 1,153 | $794K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 1,153 | $776K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 1,153 | $776K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 1,153 | $776K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,153 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.