| 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 | $25K | $864 | $25K | 4.35% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS | 601 N. MESA, STE 1550 EL PASO, TX 79901 | HEALTH CARE SERVICE CORPORATION | $5K | — | $5K | 0.78% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS INC | 601 N. MESA, STE 1550 EL PASO, TX 79901 | DEARBORN LIFE INSURANCE COMPANY | $5K | — | $5K | 9.87% |
| CATTO & CATTO BENEFITS GROUP LLP3 Filed as: CATTO & CATTO BENEFITS GROUP, LLP | 106 S SAINT MARYS ST STE 800 SAN ANTONIO, TX 782053603 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 24.40% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER VOLUNTARY BNFTS LLC | PO BOX 71542 CHICAGO, IL 606941542 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $32 | — | $32 | 0.43% |
| 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 | $2K | — | $2K | 22.22% |
| 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. | $606 | — | $606 | 21.78% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS | 601 N. MESA, STE 1550 EL PASO, TX 79901 | MEDICAL AIR SERVICES ASSOCIATION, INC. | $246 | — | $246 | 8.84% |
| ASSUREX GLOBAL CORPORATION3 Filed as: ASSUREX GLOBAL | 655 METRO PL N # 500 DUBLIN, OH 43017 | MEDICAL AIR SERVICES ASSOCIATION, INC. | $82 | — | $82 | 2.95% |
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 | 155 | 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) | 156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICE CORPORATION | 146 | $585K |
| Dental | HEALTH CARE SERVICE CORPORATION | 146 | $585K |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 152 | $53K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 152 | $53K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 152 | $53K |
| Prescription drug | HEALTH CARE SERVICE CORPORATION | 146 | $585K |
| Other(4 contracts, 3 carriers) | DEARBORN LIFE INSURANCE COMPANY | 152 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 152 | — |
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.