| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANCO INS. SVC. OF BRYAN COLLEGE STA3 Filed as: ANCO INS. SVCS. OF BRYAN/COLLEGE ST | PO BOX 3889 BRYAN, TX 77805 | BLUE CROSS BLUE SHIELD OF TEXAS | $69K | $2K | $72K | 3.10% |
| ANCO INS. SVC. OF BRYAN COLLEGE STA3 Filed as: ANCO INS. SVCS. OF BRYAN/COLLEGE ST | PO BOX 3889 BRYAN, TX 77805 | GUARDIAN | $43K | $7K | $50K | 20.80% |
| CARLISLE-LYNCH, LLC3 Filed as: CARLISLE-LYNCH LLC | 511 N. HEWITT DR. STE, 4 HEWITT, TX 76643 | GUARDIAN | $25K | $0 | $25K | 10.56% |
| GLORIA B WHITE3 Filed as: GLORIA B. WHITE | 3605 STECK AVE. AUSTIN, TX 78759 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $152 | $4 | $156 | 5.29% |
| ANCO INS. SVC. OF BRYAN COLLEGE STA3 Filed as: ANCO INS. SVCS. OF BRYAN/COLLEGE ST | PO BOX 3889 BRYAN, TX 77805 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $116 | $0 | $116 | 3.94% |
| LEONIDES H VILLA3 Filed as: LEONIDES H. VILLA | 522 E. VILLARET BLVD. SAN ANTONIO, TX 78221 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $52 | $4 | $56 | 1.90% |
| SA GENERAL AGENCY INC3 Filed as: SA GENERAL AGENCY INC. | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $12 | $24 | $36 | 1.22% |
| ROBERT A MCNEESE3 Filed as: ROBERT A. MCNEESE | 24655 BIRDIE RIDGE SAN ANTONIO, TX 78260 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $28 | $0 | $28 | 0.95% |
| ROBERT RUSHING3 | 223 W. ANDERSON LANE AUSTIN, TX 78752 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $16 | $1 | $17 | 0.58% |
| PARAGON ADVISORY LLC3 | 501 N.E. 5TH TERRACE FT. LAUDERDALE, FL 33301 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $14 | $0 | $14 | 0.48% |
| DOMINGO MUNOZ3 | PO BOX 775 CHARLOTTE, TX 78011 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6 | $0 | $6 | 0.20% |
| KELLY MELISSA KRISCH3 | 725 RIVER BLUFF DRIVE LYTLE, TX 78052 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4 | $1 | $5 | 0.17% |
| BRIAN WHITE3 Filed as: BRIAN R. MADTES | 1308 JAMES COOK WINDCREST, TX 78239 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.14% |
| LES MILLER3 | PO BOX 7079 ABILENE, TX 79608 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.10% |
| ANN ELISE REYES3 | 4219 CREEK LEDGE AUSTIN, TX 78731 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.07% |
| PAMELA M EDWARDS3 Filed as: PAMELA M. EDWARDS | 2707 STRONG OAK SAN ANTONIO, TX 78247 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.07% |
| ANDREA CAROL WINTER3 | 45 CYPRESS POINT ABILENE, TX 79606 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.07% |
| DUDLEY HERRERA3 | 10502 KINGSTON CREEK LN. CYPRESS, TX 77433 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.03% |
| BRUCE D AKERS3 Filed as: BRUCE D. AKERS | 2383 CALYPSO LANE LEAGUE CITY, TX 77573 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.03% |
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 | 417 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 419 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 419 | $2.3M |
| Dental | GUARDIAN | 434 | $241K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN | 434 | $244K |
| Short-term disability(2 contracts, 2 carriers) | GUARDIAN | 434 | $244K |
| Other | GUARDIAN | 434 | $241K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 434 | — |
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.