| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANCO INS. SVC. OF BRYAN COLLEGE STA3 | 1111 BRIARCREST DR. BRYAN, TX 77802 | UNITEDHEALTHCARE INSURANCE COMPANY | $9K | $44K | $54K | 6.84% |
| ANCO INS. SVC. OF BRYAN COLLEGE STA3 | 1111 BRIARCREST DR. BRYAN, TX 77802 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | $0 | $7K | 0.96% |
| ANCO INS. SVC. OF BRYAN COLLEGE STA3 | 1111 BRIARCREST DR. BRYAN, TX 77802 | METROPOLITAN LIFE INSURANCE CO. | $16K | $0 | $16K | 15.37% |
| ANCO INS. SVC. OF BRYAN COLLEGE STA3 | 1111 BRIARCREST DR. BRYAN, TX 77802 | METROPOLITAN LIFE INSURANCE CO. | $3K | $0 | $3K | 12.04% |
| PROFESSIONAL ENROLLMENT CONCEPTS3 | 13750 SAN PEDRO AVE, STE 550 SAN ANTONIO, TX 78232 | METROPOLITAN LIFE INSURANCE CO. | $750 | $196 | $946 | 3.49% |
| PROFESSIONAL ENROLLMENT CONCEPTS3 | 6200 SAVOY, STE. 345 HOUSTON, TX 77036 | METROPOLITAN LIFE INSURANCE CO. | -$44 | $70 | $26 | 0.10% |
| ANCO INS. SVC. OF BRYAN COLLEGE STA3 | 1111 BRIARCREST DR. BRYAN, TX 77802 | METROPOLITAN LIFE INSURANCE CO. | $2K | $0 | $2K | 11.27% |
| PROFESSIONAL ENROLLMENT CONCEPTS3 | 13750 SAN PEDRO AVE, STE 550 SAN ANTONIO, TX 78232 | METROPOLITAN LIFE INSURANCE CO. | $479 | $168 | $647 | 2.96% |
| PROFESSIONAL ENROLLMENT CONCEPTS3 | 6200 SAVOY, STE. 345 HOUSTON, TX 77036 | METROPOLITAN LIFE INSURANCE CO. | -$147 | $60 | -$87 | -0.40% |
| ANCO INS. SVC. OF BRYAN COLLEGE STA3 | 1111 BRIARCREST DR. BRYAN, TX 77802 | METROPOLITAN LIFE INSURANCE CO. | $1K | $0 | $1K | 12.09% |
| PROFESSIONAL ENROLLMENT CONCEPTS3 | 13750 SAN PEDRO AVE, STE 550 SAN ANTONIO, TX 78232 | METROPOLITAN LIFE INSURANCE CO. | $265 | $88 | $353 | 3.32% |
| PROFESSIONAL ENROLLMENT CONCEPTS3 | 6200 SAVOY, STE. 345 HOUSTON, TX 77036 | METROPOLITAN LIFE INSURANCE CO. | -$19 | $28 | $9 | 0.08% |
| ANCO INS. SVC. OF BRYAN COLLEGE STA3 | 1111 BRIARCREST DR. BRYAN, TX 77802 | UNUM LIFE INSURANCE CO. OF AMERICA | $2K | $0 | $2K | 20.00% |
| ANCO INS. SVC. OF BRYAN COLLEGE STA3 | 1111 BRIARCREST DR. BRYAN, TX 77802 | UNUM LIFE INSURANCE CO. OF AMERICA | $61 | $0 | $61 | 20.00% |
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 | 270 | 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) | 270 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 296 | $1.5M |
| Dental | METROPOLITAN LIFE INSURANCE CO. | 270 | $102K |
| Vision | METROPOLITAN LIFE INSURANCE CO. | 270 | $102K |
| Life insurance | METROPOLITAN LIFE INSURANCE CO. | 270 | $102K |
| Short-term disability | METROPOLITAN LIFE INSURANCE CO. | 270 | $102K |
| Long-term disability | METROPOLITAN LIFE INSURANCE CO. | 270 | $102K |
| Other(4 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE CO. | 270 | $134K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 296 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.