| 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 | CURATIVE INSURANCE COMPANY | $37K | $0 | $37K | 6.00% |
| ANCO INS. SVC. OF BRYAN COLLEGE STA3 Filed as: ANCO INSURANCE SERVICES OF BRYAN | 1111 BRIARCREST DR. BRYAN, TX 77802 | DEARBORN LIFE INSURANCE COMPANY | $10K | $0 | $10K | 12.86% |
| 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 | $5K | $990 | $6K | 11.92% |
| CARLYN GROUP3 | 208 HEWITT DR., STE 103-339 WACO, TX 76712 | TEXAS REPUBLIC LIFE INSURANCE COMPANY | $6K | $0 | $6K | 25.90% |
| ANCO INS. SVC. OF BRYAN COLLEGE STA3 Filed as: ANCO INSURANCE SERVICES OF BRYAN | 1111 BRIARCREST DR. BRYAN, TX 77802 | TEXAS REPUBLIC LIFE INSURANCE COMPANY | $4K | $1K | $5K | 22.85% |
| SABRINA KAYE LYNCH3 Filed as: SABRINA LYNCH | 1208 DEXFORD DR. AUSTIN, TX 78753 | TEXAS REPUBLIC LIFE INSURANCE COMPANY | $0 | $288 | $288 | 1.25% |
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 | 119 | 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) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CURATIVE INSURANCE COMPANY | 132 | $611K |
| Dental | BLUE CROSS BLUE SHIELD OF TEXAS | 158 | $51K |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 192 | $79K |
| Life insurance(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 192 | $102K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 192 | $79K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 192 | $79K |
| Prescription drug | CURATIVE INSURANCE COMPANY | 132 | $611K |
| Other | DEARBORN LIFE INSURANCE COMPANY | 192 | $79K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 192 | — |
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.