| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC. | 200 SUMMIT LAKE DR., STE 350 VALHALLA, NY 10595 | GUARDIAN | $4K | $6K | $10K | 6.78% |
| ANCO INS. SVC. OF BRYAN COLLEGE STA3 Filed as: ANCO INSURANCE SERVICES | 1111 BRIARCREST DR. BRYAN, TX 77802 | GUARDIAN | $413 | $0 | $413 | 0.27% |
| ANCO INS. SVC. OF BRYAN COLLEGE STA3 Filed as: ANCO INSURANCE SERVICES | 9811 KATY FREEWAY, STE 500 HOUSTON, TX 77024 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $19K | $4K | $23K | 21.47% |
| ANCO INS. SVC. OF BRYAN COLLEGE STA3 Filed as: ANCO INSURANCE SERVICES | PO BOX 3889 BRYAN, TX 77805 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 1.83% |
| ANCO INS. SVC. OF BRYAN COLLEGE STA3 Filed as: ANCO INSURANCE SERVICES | 9811 KATY FREEWAY, STE 500 HOUSTON, TX 77024 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $21K | $4K | $25K | 23.48% |
| PHILLIP DAVID ADAMS3 | 3000 BRIARCREST DR., STE 508 BRYAN, TX 77802 | ACE AMERICAN INSURANCE CO. | $4K | $360 | $5K | 5.41% |
| ANCO INS. SVC. OF BRYAN COLLEGE STA3 Filed as: ANCO INSURANCE SERVICES | 9811 KATY FREEWAY, STE 500 HOUSTON, TX 77024 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | $2K | $15K | 21.25% |
| ANCO INS. SVC. OF BRYAN COLLEGE STA3 Filed as: ANCO INSURANCE SERVICES | PO BOX 3889 BRYAN, TX 77805 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 1.69% |
| ANCO INS. SVC. OF BRYAN COLLEGE STA3 Filed as: ANCO INSURANCE SERVICES | 9811 KATY FREEWAY, STE 500 HOUSTON, TX 77024 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $557 | $107 | $664 | 21.83% |
| ANCO INS. SVC. OF BRYAN COLLEGE STA3 Filed as: ANCO INSURANCE SERVICES | PO BOX 3889 BRYAN, TX 77805 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $51 | $0 | $51 | 1.68% |
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 | 546 | 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) | 546 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 338 | $153K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 546 | $106K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 125 | $106K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 546 | $69K |
| Other(2 contracts, 2 carriers) | ACE AMERICAN INSURANCE CO. | 546 | $91K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 546 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.