| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANCO INS. SVC. OF BRYAN COLLEGE STA3 Filed as: ANCO INSURANCE SERVICES CORPORATION | 840 GESSNER, SUITE 600 HOUSTON, TX 77024 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $52K | $2K | $54K | 13.18% |
| BETTY L. BORNEMAN3 | 16301 TAHOE DRIVE JERSEY VILLAGE, TX 77040 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | $3K | $15K | 3.74% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6701 HIGHWAY BOULEVARD, SUITE 212 KATY, TX 77494 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 0.44% |
| UNKNOWN3 | UNKNOWN BRYAN, TX 77803 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $6K | $6K | 4.58% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 200 SUMMIT LAKE DRIVE, SUITE 350 VALHALLA, NY 10595 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 2.98% |
| PHILLIP DAVID ADAMS3 | 3000 BRIARCREST DRIVE, SUITE 508 BRYAN, TX 77802 | ACE AMERICAN INSURANCE COMPANY | $6K | $360 | $6K | 5.31% |
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 | 447 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 451 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ACE AMERICAN INSURANCE COMPANY | 574 | $116K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 315 | $139K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 447 | $409K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 447 | $409K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 447 | $409K |
| Prescription drug | ACE AMERICAN INSURANCE COMPANY | 574 | $116K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 447 | $409K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 574 | — |
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.