| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CATTO & CATTO BENEFITS GROUP LLP3 | 106 SOUTH SAINT MARYS STREET #800 SAN ANTONIO, TX 78205 | HUMANA HEALTH PLAN OF TEXAS, INC. | $77K | — | $77K | 3.65% |
| RICHARD JONES JR3 | 20502 BLUE TRINITY SAN ANTONIO, TX 78259 | AFLAC | $15K | $567 | $16K | 6.50% |
| ROMAN CARRASCO3 | 40 NORTHEAST LOOP 410 SUITE 408 SAN ANTONIO, TX 78216 | AFLAC | $14K | $581 | $15K | 6.00% |
| BRENT FORD3 | 40 NORTHEAST LOOP 410 SUITE 408 SAN ANTONIO, TX 78216 | AFLAC | $6K | $281 | $6K | 2.51% |
| MICHAEL CARRANZA3 | PO BOX 291148 SAN ANTONIO, TX 78229 | AFLAC | $4K | $277 | $4K | 1.83% |
| RUDY VALDEZ3 | 6515 CHAPEL FIRST SAN ANTONIO, TX 78239 | AFLAC | $2K | $40 | $2K | 0.66% |
| BRANDY IRENE TAYLOR3 Filed as: BRANDY TAYLOR | 701 VALLEY VIEW WEST ROAD SAN MARCOS, TX 78666 | AFLAC | $1K | $90 | $1K | 0.51% |
| JOE P SEEWALD3 Filed as: JOE SEEWALD | 1409 BRANCHWOOD SAN ANTONIO, TX 78248 | AFLAC | $857 | — | $857 | 0.35% |
| STEVEN P OLIVARES3 Filed as: STEVEN OLIVARES | 12919 BOUVARDIA SAN ANTONIO, TX 78253 | AFLAC | $518 | — | $518 | 0.21% |
| ABEL I SOLTERO3 Filed as: ABEL SOLTERO | 12906 AQUA VALLEY HELOTES, TX 78023 | AFLAC | $471 | — | $471 | 0.19% |
| PHILIP R CANALICHIO3 Filed as: PHILIP CANALICHIO | 18315 BRACKEN DRIVE UNIT 1 GARDEN RIDGE, TX 78266 | AFLAC | $273 | — | $273 | 0.11% |
| ROBERT W MCCANN JR3 Filed as: ROBERT MCCANN JR | 10614 ASHWELL HELOTES, TX 78023 | AFLAC | $202 | — | $202 | 0.08% |
| BARBARA BAROS3 | 5301 GOSHIEN COURT CORPUS CHRISTI, TX 78413 | AFLAC | $199 | — | $199 | 0.08% |
| GINGER BATES3 | 4662 TANNER PEAK SAN ANTONIO, TX 78247 | AFLAC | $86 | $100 | $186 | 0.08% |
| GREGORY J WEEKS3 Filed as: GREGORY WEEKS | 1259 LOOP 337 2ND FLOOR NEW BRAUNFELS, TX 78130 | AFLAC | $140 | — | $140 | 0.06% |
| CATTO & CATTO BENEFITS GROUP LLP3 Filed as: CATTO AND CATTO BENEFITS GROUP LLP | 106 SOUTH SAINT MARY'S STREET #800 SUITE 100 SAN ANTONIO, TX 78205 | AFLAC | $130 | — | $130 | 0.05% |
| LARRY D DENNY3 Filed as: LARRY MARONEY | 1230 MOUNTAIN BREEZE CANYON LAKE, TX 78133 | AFLAC | $86 | — | $86 | 0.04% |
| JAMES ROB BLAKEY3 Filed as: JAMES BLAKEY | 14234 SAVANNAH PASS SAN ANTONIO, TX 78216 | AFLAC | $85 | — | $85 | 0.03% |
| HEATHER F SEIBERT3 Filed as: HEATHER SEIBERT | 86 COUNTY ROAD 303 SHINER, TX 77984 | AFLAC | $73 | — | $73 | 0.03% |
| JUDY LAFEMINA3 | PO BOX 2129 FRISCO, TX 75034 | AFLAC | $70 | — | $70 | 0.03% |
| CHRISTOPHER BOYER3 | 4203 GARDENDALE STREET SUITE 250C SAN ANTONIO, TX 78229 | AFLAC | $57 | — | $57 | 0.02% |
| JAY T REX3 Filed as: JAY REX | 3710 CANEY CREEK ROAD AUSTIN, TX 78732 | AFLAC | $53 | — | $53 | 0.02% |
| VICTOR G LEWIS3 Filed as: VICTOR LEWIS | 1860 FM 359 ROAD 207 RICHMOND, TX 77406 | AFLAC | $48 | — | $48 | 0.02% |
| RONALD J ZULLO3 Filed as: RONALD ZULLO | 18211 BULVERDE ROAD APARTMENT 12204 SAN ANTONIO, TX 78259 | AFLAC | $30 | $5 | $35 | 0.01% |
| BILLY KEITH3 | 3827 NORTH 10TH STREET SUITE 303 MCALLEN, TX 78501 | AFLAC | $27 | — | $27 | 0.01% |
| ANDREW M GARCIA3 Filed as: ANDREW GARCIA | 906 CARMEL PARKWAY CORPUS CHRISTI, TX 78411 | AFLAC | $27 | — | $27 | 0.01% |
| MICHELLE CARRASCO3 | 11502 LILY BLAIR SAN ANTONIO, TX 78253 | AFLAC | $23 | — | $23 | 0.01% |
| MELVIN J ROBERSON3 Filed as: MELVIN ROBERTSON | 4014 COLORADO STREET TEXARKANA, TX 75503 | AFLAC | $15 | — | $15 | 0.01% |
| JOE A DEPASQUAL3 Filed as: JOE DEPASQUAL | 403 NORTH FM 113 WEATHERFORD, TX 76088 | AFLAC | $12 | — | $12 | 0.00% |
| ROBERT D SEIBERT3 Filed as: ROBERT SEIBERT | 86 COUNTY ROAD 303 SHINER, TX 77984 | AFLAC | $12 | — | $12 | 0.00% |
| CHARLES MCCRANN3 | PO BOX 6971 CORPUS CHRISTI, TX 78466 | AFLAC | $7 | — | $7 | 0.00% |
| MICHAEL GRASS3 | 21707 KINGSLAND BOULEVARD SUITE 105 KATY, TX 77450 | AFLAC | $7 | — | $7 | 0.00% |
| MONICA REED3 | 5918 CHANNCY SPRINGS STREET SAN ANTONIO, TX 78223 | AFLAC | $3 | — | $3 | 0.00% |
| ERIC LEGER3 | 623 EAST 7TH 1/2 STREET HOUSTON, TX 77007 | AFLAC | $1 | — | $1 | 0.00% |
| CATTO & CATTO BENEFITS GROUP LLP3 | 106 S ST MARYS ST #800 SAN ANTONIO, TX 78205 | HUMANA INSURANCE COMPANY | $7K | $4K | $10K | 8.46% |
| CATTO & CATTO BENEFITS GROUP LLP3 | 106 SOUTH SAINT MARYS STREET SUITE 800 SAN ANTONIO, TX 78205 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | — | $12K | 15.00% |
| CATTO & CATTO BENEFITS GROUP LLP3 | 106 SOUTH SAINT MARYS STREET SUITE 800 SAN ANTONIO, TX 78205 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | — | $10K | 15.00% |
| CATTO & CATTO BENEFITS GROUP LLP3 | 106 SOUTH SAINT MARYS STREET SUITE 800 SAN ANTONIO, TX 78205 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 15.00% |
| 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 S SAINT MARYS ST SUITE 800 SAN ANTONIO, TX 78205 | THE LINCOLN NATIONAL INSURANCE COMPANY | $427 | — | $427 | 15.01% |
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 | 322 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 17 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 343 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN OF TEXAS, INC. | 223 | $2.1M |
| Dental | HUMANA INSURANCE COMPANY | 269 | $120K |
| Vision | HUMANA INSURANCE COMPANY | 269 | $120K |
| Life insurance(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 349 | $109K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 309 | $81K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 349 | $47K |
| Other(9 contracts, 4 carriers) | AFLAC | 349 | $398K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 349 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.