| 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 | $39K | $1K | $40K | 5.71% |
| 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 | $5K | — | $5K | 10.94% |
| CATTO & CATTO BENEFITS GROUP LLP3 Filed as: CATTO & CATTO BENEFITS GROUP, LLP | 106 S SAINT MARY'S ST. STE 800 SAN ANTONIO, TX 78205 | DEARBORN LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| 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 | $4K | — | $4K | 33.43% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER VOLUNTARY BNFTS LLC | PO BOX 71542 CHICAGO, IL 606941542 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15 | — | $15 | 0.13% |
| 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 | $3K | — | $3K | 30.48% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER VOLUNTARY BNFTS LLC | PO BOX 71542 CHICAGO, IL 606941542 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $32 | — | $32 | 0.37% |
| CATTO & CATTO BENEFITS GROUP LLP3 Filed as: CATTO & CATTO BENEFITS GROUP, LLP | 106 S ST MARYS ST STE 800 SAN ANTONIO, TX 78205 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $113 | — | $113 | 4.71% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER VOLUNTARY BNFTS LLC | PO BOX 71542 CHICAGO, IL 606941542 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $63 | — | $63 | 2.62% |
| CATTO & CATTO BENEFITS GROUP LLP3 Filed as: CATTO & CATTO BENEFITS GROUP, LLP | 106 S ST MARYS ST STE 800 SAN ANTONIO, TX 78205 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $104 | — | $104 | 8.23% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER VOLUNTARY BENEFITS LLC | PO BOX 71542 CHICAGO, IL 60694 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11 | — | $11 | 0.87% |
| 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 | $162 | — | $162 | 13.34% |
| CATTO & CATTO BENEFITS GROUP LLP3 Filed as: CATTO & CATTO BENEFITS GROUP, LLP | 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 BENEFITS GROUP, LLP | 106 S SAINT MARYS ST STE 800 SAN ANTONIO, TX 78205 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 7.89% |
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 | 215 | 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) | 217 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICE CORPORATION | 139 | $703K |
| Dental | HEALTH CARE SERVICE CORPORATION | 139 | $703K |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 103 | $14K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 173 | $41K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 173 | $41K |
| Prescription drug | HEALTH CARE SERVICE CORPORATION | 139 | $703K |
| Other(8 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 173 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 173 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.