| 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 | CURATIVE INSURANCE CO. | $48K | $0 | $48K | 6.00% |
| CARLISLE-LYNCH, LLC3 Filed as: CARLISLE LYNCH, LLC | 208 HEWITT STE 103-339 WOODWAY, TX 76712 | GUARDIAN | $10K | $0 | $10K | 15.77% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS, INC. | 1111 BRIARCREST DR. BRYAN, TX 77802 | GUARDIAN | $681 | $221 | $902 | 1.47% |
| WEALTH DESIGN GROUP, LLC3 | — | GUARDIAN | $7 | $0 | $7 | 0.01% |
| 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 | $5K | $2K | $6K | 14.66% |
| CARLYN GROUP3 | 208 HEWITT, STE 103-339 WACO, TX 76712 | TEXAS REPUBLIC LIFE INSURANCE COMPANY | $16K | $0 | $16K | 40.75% |
| RICKIE LYNCH3 | PO BOX 574 EDDY, TX 76524 | TEXAS REPUBLIC LIFE INSURANCE COMPANY | $2K | $0 | $2K | 4.59% |
| SABRINA KAYE LYNCH3 Filed as: SABRINA LYNCH | 1208 DEXFORD DR. AUSTIN, TX 78753 | TEXAS REPUBLIC LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.94% |
| ANCO INS. SVC. OF BRYAN COLLEGE STA3 Filed as: ANCO INS. SVCS. OF BRYAN/C.S. | 1111 BRIARCREST DR. BRYAN, TX 77802 | MEDICAL AIR SERVICES ASSOCIATION, INC. | $3K | $0 | $3K | 18.66% |
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 | 121 | 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) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CURATIVE INSURANCE CO. | 111 | $795K |
| Dental(2 contracts, 2 carriers) | GUARDIAN | 133 | $105K |
| Vision | GUARDIAN | 133 | $61K |
| Life insurance | TEXAS REPUBLIC LIFE INSURANCE COMPANY | 0 | $40K |
| Prescription drug | CURATIVE INSURANCE CO. | 111 | $795K |
| Other(2 contracts, 2 carriers) | GUARDIAN | 133 | $76K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 133 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.