| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANCO INS. SVC. OF BRYAN COLLEGE STA3 Filed as: ANCO INSURANCE SERVICES OF BRYAN | 1111 BRIARCREST DR. BRYAN, TX 77802 | BLUE CROSS BLUE SHIELD OF TEXAS | $65K | $3K | $68K | 3.79% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC. | PO BOX 61187 VIRGINIA BEACH, VA 23466 | BLUE CROSS BLUE SHIELD OF TEXAS | $0 | $6K | $6K | 0.31% |
| ANCO INS. SVC. OF BRYAN COLLEGE STA3 Filed as: ANCO INSURANCE SERVICES OF BRYAN | 1111 BRIARCREST DR. BRYAN, TX 77802 | PRINCIPAL LIFE INSURANCE COMPANY | $55K | $34K | $89K | 21.16% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH, LLC | 200 GALLERIA PKWY. SE, STE 1950 ATLANTA, GA 30339 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $19K | $19K | 4.56% |
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 | 366 | 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) | 366 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 377 | $1.8M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 489 | $420K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 489 | $420K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 489 | $420K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 489 | $420K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 489 | $420K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 489 | $420K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 489 | — |
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.