| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANCO INS. SVC. OF BRYAN COLLEGE STA3 Filed as: ANCO INSURANCE SERVICES CORPORATION | 1111 BRIARCREST DRIVE BRYAN, TX 77802 | CURATIVE INSURANCE COMPANY | $70K | $0 | $70K | 6.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS, INC. | 1111 BRIARCREST DRIVE BRYAN, TX 77802 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $28K | $7K | $35K | 14.42% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH, LLC | 325 NORTH KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | $0 | $12K | 5.02% |
| MS BENEFITS3 Filed as: MS BENEFITS, LLC | 100 CHALLENGER ROAD, SUITE 400 RIDGEFIELD PARK, NJ 07660 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $0 | $8K | 3.38% |
| ANCO INS. SVC. OF BRYAN COLLEGE STA3 Filed as: ANCO INSURANCE SERVICES CORPORATION | PO BOX 3889 BRYAN, TX 77805 | UNUM LIFE INSURANCE COMPANY | $1K | $0 | $1K | 14.62% |
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 | 186 | 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) | 186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CURATIVE INSURANCE COMPANY | 200 | $1.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 186 | $244K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 186 | $244K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 186 | $244K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 186 | $244K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 186 | $244K |
| Prescription drug | CURATIVE INSURANCE COMPANY | 200 | $1.2M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 186 | $254K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 200 | — |
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.