| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANCO INS. SVC. OF BRYAN COLLEGE STA3 Filed as: ANCO INSURANCE SERVICES | 840 GESSNER, SUITE 600 HOUSTON, TX 77024 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $269K | $77K | $346K | 16.10% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 840 GESSNER, SUITE 600 HOUSTON, TX 77024 | DELTA DENTAL INSURANCE COMPANY | $103K | — | $103K | 5.01% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 840 GESSNER, SUITE 600 HOUSTON, TX 77024 | UNITED HEALTHCARE INSURANCE COMPANY | $48K | — | $48K | 12.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | UNKNOWN HOUSTON, TX 77218 | UNITED HEALTHCARE INSURANCE COMPANY | — | $15K | $15K | 3.75% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 840 GESSNER, SUITE 600 HOUSTON, TX 77024 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $24K | — | $24K | 9.04% |
| PHILLIP DAVID ADAMS3 Filed as: PHILLIP D. ADAMS | 3000 BRIARCREST DRIVE, SUITE 508 BRYAN, TX 77802 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $13K | — | $13K | 5.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 840 GESSNER, SUITE 600 HOUSTON, TX 77024 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $7K | — | $7K | 5.00% |
| PHILLIP DAVID ADAMS3 Filed as: PHILLIP D. ADAMS | 3000 BRIARCREST DRIVE, SUITE 508 BRYAN, TX 77802 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $7K | — | $7K | 5.00% |
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 | 2,712 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 118 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,830 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 16 | $405K |
| Dental(3 contracts, 2 carriers) | DELTA DENTAL INSURANCE COMPANY | 6,927 | $2.5M |
| Vision(3 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 2,387 | $805K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,640 | $2.2M |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,640 | $2.2M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,640 | $2.2M |
| Other(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,640 | $2.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,927 | — |
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.