| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CATTO & CATTO BENEFITS GROUP LLP3 | 106 SOUTH SAINT MARY STREET #800 SAN ANTONIO, TX 78205 | HUMANA HEALTH PLANS OF TEXAS, INC. | $59K | $4K | $63K | 6.35% |
| CATTO & CATTO BENEFITS GROUP LLP3 Filed as: CATTO & CATTO BENEFITS GROUP LLC | 106 SOUTH SAINT MARY'S STREET SUITE 800 SAN ANTONIO, TX 78205 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $3K | $8K | 16.06% |
| CATTO & CATTO BENEFITS GROUP LLP3 | 106 SOUTH SAINT MARYS STREET SUITE 800 SAN ANTONIO, TX 78205 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| CATTO & CATTO BENEFITS GROUP LLP3 Filed as: CATTO & CATTO BENEFITS GRP LLP | 106 SOUTH SAINT MARY'S STREET SUITE 800 SAN ANTONIO, TX 78205 | CONTINENTIAL AMERICAN INSURANCE COMPANY | $17K | — | $17K | 47.82% |
| RICHARD L JONES JR3 Filed as: RICHARD JONES, JR. | 20502 BLUE TRINITY SAN ANTONIO, TX 78259 | CONTINENTIAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 5.04% |
| BRENT FORD3 | 23045 REGENCY RUN GARDEN RIDGE, TX 78266 | CONTINENTIAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 3.62% |
| CATTO & CATTO BENEFITS GROUP LLP3 | 106 SOUTH SAINT MARY'S STREET SUITE 800 SAN ANTONIO, TX 78205 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| CATTO & CATTO BENEFITS GROUP LLP3 | 106 SOUTH ST MARY'S STREET SUITE 800 SAN ANTONIO, TX 78205 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $1K | — | $1K | 10.07% |
| CATTO & CATTO BENEFITS GROUP LLP3 Filed as: CATTO & CATTO BENEFITS GRP LLP | 106 SOUTH SAINT MARYS STREET SUITE 800 SAN ANTONIO, TX 78205 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| CATTO & CATTO BENEFITS GROUP LLP3 | 106 SOUTH SAINT MARYS STREET SUITE 800 SAN ANTONIO, TX 78205 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| CATTO & CATTO BENEFITS GROUP LLP3 | 106 SOUTH SAINT MARYS STREET SUITE 800 SAN ANTONIO, TX 78205 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
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 | 157 | 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) | 158 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HUMANA HEALTH PLANS OF TEXAS, INC. | 160 | $1.0M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 119 | $51K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 104 | $13K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 179 | $55K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 67 | $8K |
| Long-term disability(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 179 | $36K |
| Other(4 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 179 | $97K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 179 | — |
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.