| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANCO INS. SVC. OF BRYAN COLLEGE STA3 Filed as: ANCO INS. SVCS. OF BRYAN/C.S. | 1111 BRIARCREST DR. BRYAN, TX 77802 | CURATIVE INSURANCE CO. | $226K | $0 | $226K | 6.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS, INC. | 1111 BRIARCREST DR. BRYAN, TX 77802 | GUARDIAN | $34K | $0 | $34K | 15.00% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH, LLC | 325 N. KIRKWOOD RD., STE 300 KIRKWOOD, MO 63122 | GUARDIAN | $11K | $0 | $11K | 5.00% |
| ANCO INS. SVC. OF BRYAN COLLEGE STA3 Filed as: ANCO INS. SVCS. OF BRYAN/C.S. | 1111 BRIARCREST DR. BRYAN, TX 77802 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $29K | $0 | $29K | 16.18% |
| ANCO INS. SVC. OF BRYAN COLLEGE STA3 Filed as: ANCO INS. SVCS. OF BRYAN/C.S. | 1111 BRIARCREST DR. BRYAN, TX 77802 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $21K | $0 | $21K | 12.23% |
| ANCO INS. SVC. OF BRYAN COLLEGE STA3 Filed as: ANCO INS. SVCS. OF BRYAN/C.S. | 1111 BRIARCREST DR. BRYAN, TX 77802 | UNIFIED LIFE INSURANCE COMPANY | $450 | $0 | $450 | 0.39% |
| ANCO INS. SVC. OF BRYAN COLLEGE STA3 Filed as: ANCO INS. SVCS. OF BRYAN/C.S. | 1111 BRIARCREST DR. BRYAN, TX 77802 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $14K | $0 | $14K | 12.50% |
| ANCO INS. SVC. OF BRYAN COLLEGE STA3 Filed as: ANCO INS. SVCS. OF BRYAN/C.S. | 1111 BRIARCREST DR. BRYAN, TX 77802 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | $0 | $3K | 7.61% |
| CENTRO BENEFITS RESEARCH LLC3 | 24500 CHAGRIN BLVD., STE 365 BEACHWOOD, OH 44122 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | $0 | $2K | 5.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS, INC. | PO BOX 2158 RIVERSIDE, CA 92516 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | $0 | $1K | 2.41% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | 1250 S. CAPITOL OF TEXAS HWY, #2-12 AUSTIN, TX 78746 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $259 | $259 | 0.59% |
| ANCO INS. SVC. OF BRYAN COLLEGE STA3 Filed as: ANCO INS. SVCS. OF BRYAN/C.S. | 1111 BRIARCREST DR. BRYAN, TX 77802 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 12.64% |
| ANCO INS. SVC. OF BRYAN COLLEGE STA3 Filed as: ANCO INS. SVCS. OF BRYAN/C.S. | 1111 BRIARCREST DR. BRYAN, TX 77802 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $536 | $0 | $536 | 12.65% |
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 | 603 | 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) | 603 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CURATIVE INSURANCE CO. | 415 | $3.9M |
| Dental | GUARDIAN | 397 | $224K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 342 | $44K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $188K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $181K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $114K |
| Prescription drug | CURATIVE INSURANCE CO. | 415 | $3.8M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 415 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.