| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SWBC LIFE INSURANCE AGENCY, INC.3 Filed as: SWBC LIFE INS AGENCY INC | 9311 SAN PEDRO AVE #550 SAN ANTONIO, TX 782164471 | BLUE CROSS BLUE SHIELD OF TEXAS | $64K | — | $64K | 5.22% |
| SWBC LIFE INSURANCE AGENCY, INC.3 Filed as: SWBC LIFE INS AGENCY INC | 9311 SAN PEDRO AVE STE 550 SAN ANTONIO, TX 782164471 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $4K | $14K | 12.17% |
| CATTO & CATTO BENEFITS GROUP LLP3 Filed as: CATTO AND CATTO BENEFITS GRP | 106 SOUTH SAINT MARYS ST STE 800 1 ALAMO CENTER SAN ANTONIO, TX 78205 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $588 | $5K | 10.75% |
| SWBC LIFE INSURANCE AGENCY, INC.3 Filed as: SWBC LIFE INSURANCE AGCY | 9311 SAN PEDRO AVE #550 SUITE 800 SAN ANTONIO, TX 78216 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $141 | $2K | 6.05% |
| SWBC LIFE INSURANCE AGENCY, INC.3 Filed as: SWBC LIFE INS AGENCY INC | 9311 SAN PEDRO AVE #550 SAN ANTONIO, TX 78216 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | — | $7K | 63.78% |
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 | 227 | 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) | 227 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 232 | $1.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 400 | $114K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 400 | $114K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 400 | $114K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 117 | $38K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 208 | $45K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 400 | $129K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 400 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.