| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS INC. | PO BOX 1779 EL PASO, TX 79949 | UNITEDHEALTHCARE INSURANCE COMPANY | $21K | — | $21K | 3.43% |
| CATTO & CATTO BENEFITS GROUP LLP3 Filed as: CATTO AND CATTO BENEFITS GROUP, LLC | 106 S MARYS ST STE 800 SAN ANTONIO, TX 782053603 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | — | $7K | 1.07% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS INC | 106 S MARYS ST STE 800 ONE ALAMO CENTER SAN ANTONIO, TX 782053603 | THE GUARDIAN LIFE INSURANCE COMPANY | $11K | $4K | $16K | 17.65% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS INC. | 106 S SAINT MARYS STREET SAN ANTONIO, TX 78205 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 11.38% |
| KELLY MELISSA RUSHING3 | 725 RIVER BLUFF DRIVE LYTLE, TX 78052 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $607 | $208 | $815 | 6.75% |
| TIMOTHY J REED3 Filed as: TIMOTHY COBB | 11086 NW COUNTY ROAD 1370 BARRY, TX 75102 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $98 | $178 | $276 | 2.29% |
| GALE SIMPSON3 | 69 CARPIN CIRCLE PAGOSA SPRINGS, CO 81147 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $87 | — | $87 | 0.72% |
| JOHN DAVID BODKER3 | 11415 SPRIGHTLY LN SAN ANTONIO, TX 78254 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $43 | — | $43 | 0.36% |
| THOMAS SNYDER3 | 10539 DEDEKE DR NEW BRAUNFELS, TX 78132 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $40 | — | $40 | 0.33% |
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 | 107 | 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) | 107 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 90 | $607K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY | 107 | $90K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY | 107 | $90K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY | 107 | $90K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY | 107 | $90K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY | 107 | $90K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY | 107 | $102K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 107 | — |
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."
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.