| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANCO INS. SVC. OF BRYAN COLLEGE STA3 | 1111 BRIARCREST DR. BRYAN, TX 77802 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $30K | $0 | $30K | 20.83% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC | PO BOX 61187 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $88 | $88 | 0.06% |
| ANCO INS. SVC. OF BRYAN COLLEGE STA3 | 1111 BRIARCREST DR. BRYAN, TX 77802 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $21K | $0 | $21K | 14.80% |
| ANCO INS. SVC. OF BRYAN COLLEGE STA3 | 1111 BRIARCREST DR. BRYAN, TX 77802 | UNIFIED LIFE INSURANCE COMPANY | $450 | $0 | $450 | 0.52% |
| PHILLIP DAVID ADAMS3 | 3000 BRIARCREST DR., STE 508 BRYAN, TX 77802 | ACE AMERICAN INS. CO. | $4K | $360 | $5K | 5.42% |
| ANCO INS. SVC. OF BRYAN COLLEGE STA3 | 1111 BRIARCREST DR. BRYAN, TX 77802 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | $0 | $10K | 13.73% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC. | PO BOX 61187 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $59 | $59 | 0.08% |
| ANCO INS. SVC. OF BRYAN COLLEGE STA3 | 1111 BRIARCREST DR. BRYAN, TX 77802 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $398 | $0 | $398 | 13.82% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC | PO BOX 61187 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $3 | $3 | 0.10% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC. | PO BOX 61187 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $101 | $101 | — |
| ANCO INS. SVC. OF BRYAN COLLEGE STA3 | 1111 BRIARCREST DR. BRYAN, TX 77802 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$4K | $0 | -$4K | — |
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 | 423 | 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) | 423 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 502 | $140K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 165 | $145K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 502 | $71K |
| Other(3 contracts, 3 carriers) | UNIFIED LIFE INSURANCE COMPANY | 510 | $175K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 510 | — |
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.