| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTERSTONE INSURANCE AND FINANCIAL3 | 4851 LBJ FREEWAY SUITE 100 DALLAS, TX 75244 | AETNA LIFE INSURANCE CO. | $38K | — | $38K | 1.37% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75231 | AETNA LIFE INSURANCE CO. | $12K | — | $12K | 0.45% |
| CATTO & CATTO BENEFITS GROUP LLP3 | 217 EAST HOUSTON STREET SUITE 100 SAN ANTONIO, TX 78205 | AETNA LIFE INSURANCE CO. | $9K | $2K | $11K | 0.39% |
| CATTO & CATTO BENEFITS GROUP LLP3 Filed as: CATTO & CATTO BENEFITS GRP LLC | 106 SOUTH ST MARY'S STREET #800 SAN ANTONIO, TX 78205 | AETNA LIFE INSURANCE CO. | $7K | — | $7K | 0.25% |
| CATTO & CATTO BENEFITS GROUP LLP3 | 217 EAST HOUSTON STREET SUITE 100 SAN ANTONIO, TX 78205 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $239 | $4K | 6.69% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSCH & MCLENNAN AGENCY LLC | 8144 WALNUT HILL LANE SUITE 1600 DALLAS, TX 75231 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $376 | $2K | 3.04% |
| TOTAL BENEFIT SOLUTIONS3 | 8008 SLIDE ROAD SUITE 14 LUBBOCK, TX 79424 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $252 | — | $252 | 0.43% |
| DAVIS ALLEN AGENCY INC3 | 7412 UNIVERSITY AVENUE UNIT 1 LUBBOCK, TX 79423 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $50 | $50 | 0.08% |
| CATTO & CATTO BENEFITS GROUP LLP3 Filed as: CATTO & CATTO BENEFITS GRP LLP | 217 EAST HOUSTON STREET SUITE 100 SAN ANTONIO, TX 78205 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $167 | $3K | 15.10% |
| TOTAL BENEFIT SOLUTIONS3 | 8008 SLIDE ROAD SUITE 14 LUBBOCK, TX 79424 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $468 | — | $468 | 2.02% |
| DAVIS ALLEN AGENCY INC3 | 7412 UNIVERSITY AVENUE UNIT 1 LUBBOCK, TX 79423 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $39 | $39 | 0.17% |
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 | 593 | 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) | 593 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 874 | $2.7M |
| Dental | AETNA LIFE INSURANCE CO. | 874 | $2.7M |
| Vision | AETNA LIFE INSURANCE CO. | 874 | $2.7M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 674 | $59K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 674 | $59K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 674 | $59K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 674 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 874 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.