| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANCO INS. SVC. OF BRYAN COLLEGE STA3 Filed as: ANCO INSURANCE SERVICES OF BRIAN/CS | 1111 BRIARCREST DR. BRYAN, TX 77802 | CURATIVE INSURANCE COMPANY | $59K | $0 | $59K | 6.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS, INC. | 1111 BRIARCREST DR. BRYAN, TX 77802 | GUARDIAN | $35K | $10K | $45K | 14.63% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH, LLC | 325 KIRKWOOD RD., STE 300 KIRKWOOD, MO 63122 | GUARDIAN | $14K | $0 | $14K | 4.68% |
| CARLISLE-LYNCH, LLC3 | 208 HEWITT, STE 103-339 WOODWAY, TX 76712 | GUARDIAN | $4K | $0 | $4K | 1.23% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS, INC. | 1111 BRIARCREST DR. BRYAN, TX 77802 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $501 | $0 | $501 | 9.00% |
| HAROLD J. KIDD3 | 529 CELTIC ASH RUN SCHERTZ, TX 78108 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $358 | $0 | $358 | 6.43% |
| VERNA HEATH3 Filed as: VERNA HEALTH | 1355 WROTHAM LN. CHANNELVIEW, TX 77530 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $21 | $0 | $21 | 0.38% |
| ANCO INS. SVC. OF BRYAN COLLEGE STA3 Filed as: ANCO INSURANCE SERVICES OF BRYAN/CS | 1111 BRIARCREST DR. BRYAN, TX 77802 | MEDICAL AIR SERVICES ASSOC., INC. | $83 | $0 | $83 | 17.74% |
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 | 166 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CURATIVE INSURANCE COMPANY | 249 | $978K |
| Dental | GUARDIAN | 151 | $307K |
| Vision | GUARDIAN | 151 | $307K |
| Life insurance | GUARDIAN | 151 | $307K |
| Short-term disability | GUARDIAN | 151 | $307K |
| Long-term disability | GUARDIAN | 151 | $307K |
| Prescription drug | CURATIVE INSURANCE COMPANY | 249 | $978K |
| Other(4 contracts, 4 carriers) | GUARDIAN | 151 | $350K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 249 | — |
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.