| 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 | $66K | $0 | $66K | 6.60% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC. | PO BOX 61187 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $2K | $9K | 5.05% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH | 325 N. KIRKWOOD RD., STE 300 KIRKWOOD, MO 63122 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $2K | $9K | 4.99% |
| ANCO INS. SVC. OF BRYAN COLLEGE STA3 Filed as: ANCO INSURANCE SERVICES OF BRYAN | 1111 BRIARCREST DR. BRYAN, TX 77802 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $23 | $7K | 4.19% |
| PAYCHEX INSURANCE AGENCY, INC.3 | 150 SAWGRASS DR. ROCHESTER, NY 14620 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | -$593 | -$593 | -0.34% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH | 325 N. KIRKWOOD RD., STE 300 KIRKWOOD, MO 63122 | SAFEGUARD HEALTH PLANS, INC. | $136 | $49 | $185 | 4.86% |
| ANCO INS. SVC. OF BRYAN COLLEGE STA3 Filed as: ANCO INSURANCE SERVICES OF BRYAN | 1111 BRIARCREST DR. BRYAN, TX 77802 | SAFEGUARD HEALTH PLANS, INC. | $164 | $0 | $164 | 4.31% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC. | PO BOX 61187 VIRGINIA BEACH, VA 23466 | SAFEGUARD HEALTH PLANS, INC. | $57 | $18 | $75 | 1.97% |
| PAYCHEX INSURANCE AGENCY, INC.3 | 150 SAWGRASS DR. ROCHESTER, NY 14620 | SAFEGUARD HEALTH PLANS, INC. | $0 | -$6 | -$6 | -0.16% |
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 | 228 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 229 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD | 230 | $997K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 318 | $177K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 318 | $174K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 318 | $174K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 318 | $174K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 318 | $174K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 318 | $174K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 318 | — |
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.