| 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 | BLUE CROSS BLUE SHIELD OF TEXAS | $50K | $0 | $50K | 3.06% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS, INC. | 1111 BRIARCREST DR. BRYAN, TX 77802 | GUARDIAN | $17K | $6K | $23K | 13.48% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH, LLC | 325 N. KIRKWOOD RD., STE 300 KIRKWOOD, MO 63122 | GUARDIAN | $7K | $0 | $7K | 4.00% |
| JAMES COYLE3 | 1050 S CENTRAL EXPWY, STE 1250 ALLEN, TX 75013 | AMERITAS LIFE INSURANCE CORP. | $13K | $0 | $13K | 9.35% |
| ARNOLDS ANDRA GRAVA3 | 1050 S CENTRAL EXPWY, STE 1250 ALLEN, TX 75013 | AMERITAS LIFE INSURANCE CORP. | $4K | $0 | $4K | 3.12% |
| ANCO INS. SVC. OF BRYAN COLLEGE STA3 Filed as: ANCO INS. SVCS. OF BRYAN/C.S. | 1111 BRIARCREST DR. BRYAN, TX 77802 | DEARBORN LIFE INSURANCE CO. | $7K | $0 | $7K | 8.55% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS INC. FT. WO | 601 N. MESA, STE 1550 EL PASO, TX 79901 | DEARBORN LIFE INSURANCE CO. | $3K | $0 | $3K | 3.73% |
| JAMES COYLE3 | 1429 BERNIE LN LEWISVILLE, TX 75067 | RELIANCE STANDARD | $7K | $0 | $7K | 15.00% |
| ANCO INS. SVC. OF BRYAN COLLEGE STA3 Filed as: ANCO INS. SVCS. OF BRYAN/C.S. | 1111 BRIARCREST DR. BRYAN, TX 77802 | MEDICAL AIR SERVICES ASSOCIATION, INC. | $499 | $0 | $499 | 9.65% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH, LLC | 325 N. KIRKWOOD RD., STE 300 KIRKWOOD, MO 63122 | MEDICAL AIR SERVICES ASSOCIATION, INC. | $195 | $0 | $195 | 3.77% |
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 | 105 | 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) | 105 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 220 | $1.6M |
| Dental | GUARDIAN | 102 | $172K |
| Vision | DEARBORN LIFE INSURANCE CO. | 109 | $76K |
| Life insurance | DEARBORN LIFE INSURANCE CO. | 109 | $76K |
| Long-term disability(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORP. | 104 | $185K |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE CO. | 109 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 220 | — |
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.