| 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 | $38K | $945 | $38K | 5.28% |
| CATTO & CATTO BENEFITS GROUP LLP3 Filed as: CATTO & CATTO BENEFITS GROUP, LLC | 106 S SAINT MARYS ST STE 800 SAN ANTONIO, TX 782053603 | DEARBORN LIFE INSURANCE COMPANY | $5K | $3K | $8K | 13.16% |
| 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 | $978 | $0 | $978 | 1.64% |
| 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 | $2K | $0 | $2K | 18.07% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER VOLUNTARY BNFTS LLC | PO BOX 71542 CHICAGO, IL 60694 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $38 | $0 | $38 | 0.36% |
| 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 | $2K | $0 | $2K | 18.06% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER VOLUNTARY BNFTS LLC | PO BOX 71542 CHICAGO, IL 60694 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $32 | $0 | $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 | MEDICAL AIR SERVICES ASSOCIATION, INC. | $1K | $0 | $1K | 17.74% |
| MASA AGENT3 | — | MEDICAL AIR SERVICES ASSOCIATION, INC. | $979 | $0 | $979 | 15.66% |
| ASSUREX GLOBAL CORPORATION3 Filed as: ASSUREX GLOBAL | — | MEDICAL AIR SERVICES ASSOCIATION, INC. | $188 | $0 | $188 | 3.01% |
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 | 174 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICE CORPORATION | 129 | $729K |
| Dental | HEALTH CARE SERVICE CORPORATION | 129 | $729K |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 185 | $59K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 185 | $59K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 185 | $59K |
| Prescription drug | HEALTH CARE SERVICE CORPORATION | 129 | $729K |
| Other(4 contracts, 3 carriers) | DEARBORN LIFE INSURANCE COMPANY | 185 | $85K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 185 | — |
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.