| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANCO INS. SVC. OF BRYAN COLLEGE STA3 Filed as: ANCO INSURANCE SERVICES OF BRYAN | 1111 BRIARCREST DR. BRYAN, TX 77802 | BLUE CROSS BLUE SHIELD OF TEXAS | $17K | $1K | $18K | 2.82% |
| ANCO INS. SVC. OF BRYAN COLLEGE STA3 Filed as: ANCO INSURANCE SERVICES OF BRYAN | 1111 BRIARCREST DR. BRYAN, TX 77802 | GUARDIAN | $16K | $2K | $18K | 14.14% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH | 325 N. KIRKWOOD RD., STE 300 KIRKWOOD, MO 63122 | GUARDIAN | $6K | $0 | $6K | 4.46% |
| CARLISLE-LYNCH, LLC3 | 208 HEWITT DR., STE 103-339 WACO, TX 76712 | GUARDIAN | $644 | $0 | $644 | 0.51% |
| RETHINK WEALTH LLC3 Filed as: RETHINK WEALTH, LLC | 3040 POST OAK BLVD STE 1150 HOUSTON, TX 77056 | GUARDIAN | $517 | $0 | $517 | 0.41% |
| WEALTH DESIGN GROUP, LLC3 | 3040 POST OAK BLVD., STE 1150 HOUSTON, TX 77056 | GUARDIAN | $9 | $0 | $9 | 0.01% |
| ANCO INS. SVC. OF BRYAN COLLEGE STA3 Filed as: ANCO INSURANCE SERVICES OF BRYAN | 1111 BRIARCREST DR. BRYAN, TX 77802 | NEW BENEFITS, LTD | $314 | $0 | $314 | 4.37% |
| ROSS GUNNELS3 | 1111 BRIARCREST DR. BRYAN, TX 77802 | AMFIRST | $714 | $0 | $714 | 9.99% |
| MORGAN WHITE LIMITED3 | PO BOX 14067 JACKSON, MS 39236 | AMFIRST | $357 | $0 | $357 | 5.00% |
| THE COOK GROUP, INC.3 | 4100 W. ELDORADO PKWY, #100-112 MCKINNEY, TX 75070 | AMFIRST | $285 | $0 | $285 | 3.99% |
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 | 133 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 136 | 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 | 106 | $642K |
| Dental | GUARDIAN | 133 | $127K |
| Vision | GUARDIAN | 133 | $127K |
| Life insurance | GUARDIAN | 133 | $127K |
| Short-term disability | GUARDIAN | 133 | $127K |
| Long-term disability | GUARDIAN | 133 | $127K |
| Other(2 contracts, 2 carriers) | GUARDIAN | 133 | $134K |
| 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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.