| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANCO INS. SVC. OF BRYAN COLLEGE STA3 Filed as: ANCO INSURANCE BRYAN | PO BOX 3889 BRYAN, TX 77805 | BLUE CROSS BLUE SHIELD OF TEXAS | $19K | $2K | $21K | 3.68% |
| ANCO INS. SVC. OF BRYAN COLLEGE STA3 | 1111 BRIARCREST DR. BRYAN, TX 77802 | DEARBORN LIFE INSURANCE COMPANY | $7K | $2K | $9K | 17.35% |
| ANCO INS. SVC. OF BRYAN COLLEGE STA3 | 1111 BRIARCREST DR. BRYAN, TX 77802 | GUARDIAN | $808 | $224 | $1K | 15.33% |
| CARLISLE-LYNCH, LLC3 | 208 HEWITT DR., STE. 103-339 WOODWAY, TX 76712 | GUARDIAN | $539 | $0 | $539 | 8.01% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH, LLC | 325 N. KIRKWOOD RD., STE 300 KIRKWOOD, MO 63122 | GUARDIAN | $202 | $0 | $202 | 3.00% |
| WEALTH DESIGN GROUP, LLC3 | 3040 POST OAK BLVD. HOUSTON, TX 77056 | GUARDIAN | $8 | $0 | $8 | 0.12% |
| ROSS GUNNELS3 | PO BOX 3889 BRYAN, TX 77805 | AMFIRST | $650 | $0 | $650 | 10.00% |
| MORGAN WHITE LIMITED3 | PO BOX 14067 JACKSON, MO 39236 | AMFIRST | $325 | $0 | $325 | 5.00% |
| MIKEL COOK3 Filed as: MIKEL COOKQ | 4100 W. ELDORADO PKWY, #100-112 MCKINNEY, TX 75070 | AMFIRST | $259 | $0 | $259 | 3.98% |
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 | 123 | 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) | 123 | 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 | 129 | $577K |
| Dental | BLUE CROSS BLUE SHIELD OF TEXAS | 129 | $571K |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 135 | $52K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 135 | $52K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 135 | $52K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 135 | $52K |
| Other | GUARDIAN | 26 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 135 | — |
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.