| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 190 WEST LOOP SOUTH, SUITE 1600 HOUSTON, TX 77027 | BLUECROSS BLUESHIELD OF TEXAS | $61K | $0 | $61K | 5.03% |
| ANCO INS. SVC. OF BRYAN COLLEGE STA3 Filed as: ANCO INSURANCE SERVICES, INC. | PO BOX 3889 BRYAN, TX 77805 | BLUECROSS BLUESHIELD OF TEXAS | $0 | $2K | $2K | 0.13% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 21ST FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $18K | $0 | $18K | 14.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $3K | $3K | 2.30% |
| RICKIE LYNCH3 | PO BOX 574 EDDY, TX 76524 | AFLAC | $55 | $0 | $55 | 2.95% |
| ANCO INS. SVC. OF BRYAN COLLEGE STA3 Filed as: ANCO INSURANCE SERVICES CORPORATION | PO BOX 3889 BRYAN, TX 77805 | AFLAC | $44 | $0 | $44 | 2.36% |
| MICHAEL CARLISLE3 | 511 NORTH HEWITT DRIVE HEWITT, TX 76643 | AFLAC | $43 | $0 | $43 | 2.31% |
| CARLISLE-LYNCH, LLC3 Filed as: CARLISLE LYNCH, LLC | 511 NORTH HEWITT DRIVE, SUITE 4 HEWITT, TX 76643 | AFLAC | $41 | $0 | $41 | 2.20% |
| THOMAS G MONTGOMERY3 Filed as: THOMAS MONTGOMERY AND OTHER AGENTS | PO BOX 231 CROWLEY, TX 76036 | AFLAC | $41 | $0 | $41 | 2.20% |
| JOHN C RAUP3 Filed as: JOHN RAUP | 7215 BOSQUE BOULEVARD, SUITE 108 WACO, TX 78710 | AFLAC | $14 | $0 | $14 | 0.75% |
| THOMAS POE3 | 718 4TH STREET EDDY, TX 76524 | AFLAC | $7 | $0 | $7 | 0.38% |
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 | 120 | 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) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 235 | $1.2M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 235 | $1.2M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 120 | $130K |
| Short-term disability | AFLAC | 120 | $2K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 120 | $130K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 235 | $1.2M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 120 | $130K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 235 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.