| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS, INC. | 106 S SAINT MARYS ST STE 800 SAN ANTONIO, TX 78205 | HEALTH CARE SERVICE CORPORATION | $82K | — | $82K | 6.16% |
| CATTO & CATTO BENEFITS GROUP LLP3 Filed as: CATTO & CATTO BENEFITS GROUP, LLC | 106 S SAINT MARYS ST STE 800 SAN ANTONIO, TX 78205 | HEALTH CARE SERVICE CORPORATION | — | $3K | $3K | 0.19% |
| CATTO & CATTO BENEFITS GROUP LLP3 | 106 S SAINT MARYS ST STE 800 SAN ANTONIO, TX 78205 | HEALTH CARE SERVICE CORPORATION | — | $2K | $2K | 0.13% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS INC | 3221 COLLINSWORTH ST FORT WORTH, TX 76107 | SUN LIFE ASSURANCE COMPANY OF CANADA | $27K | — | $27K | 15.40% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 5600 NEW KING DR STE 210 TROY, MI 48098 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $8K | $8K | 4.42% |
| 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 | $924 | $3K | 15.01% |
| CATTO & CATTO BENEFITS GROUP LLP3 | 106 S. ST. MARY'S STREET, SUITE 800 SAN ANTONIO, TX 78205 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $877 | — | $877 | 12.51% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS, INC. | 106 S SAINT MARYS ST STE 800 SAN ANTONIO, TX 78205 | MEDICAL AIR SERVICES ASSOCIATION OF FLORIDA, INC. | $1K | — | $1K | 19.99% |
| CATTO & CATTO BENEFITS GROUP LLP3 | 106 S. ST. MARY'S STREET, SUITE 800 SAN ANTONIO, TX 78205 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $387 | — | $387 | 12.51% |
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 | 221 | 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) | 221 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | HEALTH CARE SERVICE CORPORATION | 244 | $1.3M |
| Dental | HEALTH CARE SERVICE CORPORATION | 244 | $1.3M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 133 | $18K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 220 | $174K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 220 | $174K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 220 | $174K |
| Prescription drug | HEALTH CARE SERVICE CORPORATION | 244 | $1.3M |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 345 | $186K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 345 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.