| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CATTO & CATTO BENEFITS GROUP LLP3 | 106 S ST MARYS ST #800 SAN ANTONIO, TX 782053603 | HEALTH CARE SERVICE CORPORATION | $50K | $6K | $56K | 4.16% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS INC | 601 N. MESA STE 1550 EL PASO, TX 79901 | HEALTH CARE SERVICE CORPORATION | $24K | — | $24K | 1.77% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS, INC | 106 S SAINT MARYS ST STE 800 SAN ANTONIO, TX 78205 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 17.84% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS, INC | 2924 KNIGHT ST STE 370 SHREVEPORT, LA 71105 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 5.95% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS, INC | 106 S SAINT MARYS ST STE 800 ONE ALAMO CENTER SAN ANTONIO, TX 78205 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 18.11% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS, INC | 2924 KNIGHT ST STE 370 SHREVEPORT, LA 71105 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 6.04% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS INC FT WORT | 601 N. MESA STE 1550 EL PASO, TX 79901 | DEARBORN LIFE INSURANCE COMPANY | $2K | $982 | $3K | 15.17% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS, INC | 106 S SAINT MARYS ST STE 800 SAN ANTONIO, TX 78205 | UNUM INSURANCE COMPANY | $3K | — | $3K | 17.35% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS, INC. | 2924 KNIGHT ST STE 370 SHREVEPORT, LA 71105 | UNUM INSURANCE COMPANY | — | $565 | $565 | 3.47% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS, INC | 106 S SAINT MARYS ST STE 800 SAN ANTONIO, TX 78205 | UNUM INSURANCE COMPANY | $1K | — | $1K | 10.74% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS, INC | 2924 KNIGHT ST STE 370 SHREVEPORT, LA 71105 | UNUM INSURANCE COMPANY | — | $264 | $264 | 2.15% |
| CATTO & CATTO BENEFITS GROUP LLP3 | ONE ALAMO CENTER 106 S. ST. MARY'S STREET, SUITE 800 SAN ANTONIO, TX 78205 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 12.50% |
| CATTO & CATTO BENEFITS GROUP LLP3 | ONE ALAMO CENTER 106 S. ST. MARY'S STREET, SUITE 800 SAN ANTONIO, TX 78205 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $954 | — | $954 | 12.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS, INC | 601 N. MESA STE 1550 EL PASO, TX 79901 | MEDICAL AIR SERVICES ASSOCIATION, INC. | $658 | — | $658 | 10.75% |
| CATTO & CATTO BENEFITS GROUP LLP3 Filed as: CATTO & CATTO | 106 S ST MARYS ST #800 SAN ANTONIO, TX 78205 | MEDICAL AIR SERVICES ASSOCIATION, INC. | $555 | — | $555 | 9.07% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS INC | STE 800 106 S. ST. MARY'S STREET SAN ANTONIO, TX 78205 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $775 | — | $775 | 16.20% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS INC | STE 370 2924 KNIGHT ST SHREVEPORT, LA 71105 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $259 | $259 | 5.42% |
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 | 197 | 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) | 197 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | HEALTH CARE SERVICE CORPORATION | 223 | $1.4M |
| Dental | HEALTH CARE SERVICE CORPORATION | 223 | $1.4M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 130 | $19K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 216 | $24K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 64 | $52K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 64 | $52K |
| Other(8 contracts, 5 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 329 | $128K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 329 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.