| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CATTO & CATTO BENEFITS GROUP LLP3 Filed as: CATTO & CATTO BENEFITS GROUP, LLP | 106 S SAINT MARYS ST STE 800 SAN ANTONIO, TX 78205 | HEALTH CARE SERVICE CORPORATION | $36K | $1K | $37K | 5.92% |
| CATTO & CATTO BENEFITS GROUP LLP3 Filed as: CATTO & CATTO BENEFITS GROUP, LLP | 106 S SAINT MARYS ST STE 800 SAN ANTONIO, TX 78205 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 11.29% |
| CATTO & CATTO BENEFITS GROUP LLP3 | 106 S SAINT MARY'S ST. STE 800 SAN ANTONIO, TX 78205 | DEARBORN LIFE INSURANCE COMPANY | $1K | $397 | $2K | 13.00% |
| CATTO & CATTO BENEFITS GROUP LLP3 Filed as: CATTO & CATTO BENEFITS GROUP | 106 S ST MARYS ST STE 800 SAN ANTONIO, TX 78205 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $517 | — | $517 | 7.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER VOLUNTARY BNFTS LLC | PO BOX 71542 CHICAGO, IL 606941542 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $108 | — | $108 | 1.46% |
| CATTO & CATTO BENEFITS GROUP LLP3 Filed as: CATTO & CATTO BENEFITS GROUP | 106 S ST MARYS ST STE 800 SAN ANTONIO, TX 78205 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $910 | — | $910 | 15.65% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER VOLUNTARY BENEFITS LLC | PO BOX 71542 CHICAGO, IL 60694 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $41 | — | $41 | 0.71% |
| CATTO & CATTO BENEFITS GROUP LLP3 Filed as: CATTO & CATTO BENEFITS GROUP, LLP | 106 S ST MARYS ST STE 800 SAN ANTONIO, TX 782053603 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 28.18% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER VOLUNTARY BNFTS LLC | PO BOX 71542 CHICAGO, IL 606941542 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $36 | — | $36 | 0.70% |
| CATTO & CATTO BENEFITS GROUP LLP3 Filed as: CATTO & CATTO BENEFITS GROUP, LLP | 106 S SAINT MARY'S ST. STE 800 SAN ANTONIO, TX 782053603 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 24.36% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER VOLUNTARY BNFTS LLC | PO BOX 71542 CHICAGO, IL 606941542 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $46 | — | $46 | 0.92% |
| CATTO & CATTO BENEFITS GROUP LLP3 Filed as: CATTO & CATTO BENEFITS GROUP | 106 S SAINT MARYS ST STE 800 SAN ANTONIO, TX 78205 | SUN LIFE ASSURANCE COMPANY OF CANADA | $139 | — | $139 | 12.01% |
| CATTO & CATTO BENEFITS GROUP LLP3 Filed as: CATTO & CATTO BENEFITS GROUP | 106 S ST MARYS ST STE 800 SAN ANTONIO, TX 78205 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $46 | — | $46 | 7.03% |
| CATTO & CATTO BENEFITS GROUP LLP3 Filed as: CATTO & CATTO BENEFIT GROUP, LLP | 106 S SAINT MARYS ST STE 800 SAN ANTONIO, TX 78205 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $27 | — | $27 | 9.00% |
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 | 177 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICE CORPORATION | 143 | $631K |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 89 | $13K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 151 | $37K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 151 | $37K |
| Other(8 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 151 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 151 | — |
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.