| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CATTO & CATTO BENEFITS GROUP LLP3 | 106 SOUTH ST MARYS STREET #800 SAN ANTONIO, TX 78205 | HUMANA HEALTH PLAN OF TEXAS, INC. | $65K | $5K | $69K | 3.73% |
| CATTO & CATTO BENEFITS GROUP LLP3 Filed as: CATTO & CATTO BENEFITS GROUP L | 5373 TRUXTUN AVENUE VENTURA, CA 93009 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $39K | — | $39K | 13.30% |
| EPSTEIN CHARLES D3 | 12 SOMERS ROAD EAST LONGMEADOW, MA 01028 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $13K | — | $13K | 7.33% |
| NAUGHTON BRENDAN C3 | 330 WHITNEY AVENUE SUITE 600 HOLYOKE, MA 01040 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | — | $107 | $107 | 0.06% |
| NAUGHTON BRENDAN C3 | 330 WHITNEY AVENUE SUITE 600 HOLYOKE, MA 01040 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | — | $2 | $2 | 0.00% |
| RICHARD L JONES JR3 | 20502 BLUE TRINITY SAN ANTONIO, TX 78259 | AFLAC | $10K | $485 | $11K | 6.03% |
| ROMAN CARRASCO3 | 40 NORTHEAST LOOP 410 SUITE 408 SAN ANTONIO, TX 78216 | AFLAC | $8K | $460 | $9K | 5.01% |
| BRENT FORD3 Filed as: BRENT A FORD | 40 NORTHEAST LOOP 410 SUITE 408 SAN ANTONIO, TX 78216 | AFLAC | $4K | $222 | $4K | 2.25% |
| MICHAEL F CARRANZA3 | PO BOX 291148 SAN ANTONIO, TX 78229 | AFLAC | $921 | $231 | $1K | 0.65% |
| LARRY RONALD PATTERSON3 | 3328 TUMBLEWOOD TRAIL SAN ANTONIO, TX 78247 | AFLAC | $965 | — | $965 | 0.54% |
| BRANDY IRENE TAYLOR3 | 701 VALLEY VIEW WEST ROAD SAN MARCOS, TX 78666 | AFLAC | $841 | $40 | $881 | 0.50% |
| OSCAR G TOBARCASTANEDA3 | 1006 COTTAGE OAK LANE HOUSTON, TX 77091 | AFLAC | $784 | — | $784 | 0.44% |
| RUDY VALDEZ3 | 6515 CHAPEL FOREST SAN ANTONIO, TX 78239 | AFLAC | $529 | $77 | $606 | 0.34% |
| STEVEN P OLIVARES3 | 12919 BOUVARDIA SAN ANTONIO, TN 78253 | AFLAC | $388 | — | $388 | 0.22% |
| ABEL I SOLTERO3 Filed as: ABEL ISAAC SOLTERO | 12906 AQUA VALLEY HELOTES, TX 78023 | AFLAC | $310 | — | $310 | 0.17% |
| JOE P SEEWALD3 | 1409 BRANCHWOOD SAN ANTONIO, TX 78248 | AFLAC | $236 | $35 | $271 | 0.15% |
| PHILIP R CANALICHIO3 | 18315 BRACKEN DRIVE UNIT 1 GARDEN RIDGE, TX 78266 | AFLAC | $166 | — | $166 | 0.09% |
| BARBARA BAROS3 | 5301 GOSHEN COURT CORPUS CHRISTI, TX 78413 | AFLAC | $134 | — | $134 | 0.08% |
| ROBERT W MCCANN JR3 | 10614 ASHWELL HELOTES, TX 78023 | AFLAC | $107 | — | $107 | 0.06% |
| GREGORY J WEEKS3 | 1259 LOOP 337 2ND FLOOR NEW BRAUNFELS, TX 78130 | AFLAC | $89 | — | $89 | 0.05% |
| CATTO & CATTO BENEFITS GROUP LLP3 Filed as: CATTO AND CATTO BENEFITS GROUP LLP | 106 SOUTH SAINT MARYS STREET #800 SAN ANTONIO, TX 78205 | AFLAC | $72 | — | $72 | 0.04% |
| LARRY W MARONEY3 | 1230 MOUNTAIN BREEZE CANYON LAKE, TX 78133 | AFLAC | $64 | — | $64 | 0.04% |
| CHRISTOPHER G BOYER3 | 4203 GRADENDALE STREET SUITE 250C SAN ANTONIO, TX 78229 | AFLAC | $52 | — | $52 | 0.03% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES ROBERT BLAKEY | 14234 SAVANNAH PASS SAN ANTONIO, TX 78216 | AFLAC | $51 | — | $51 | 0.03% |
| VICTOR G LEWIS3 | 1860 FM 359 ROAD 207 RICHMOND, TX 77406 | AFLAC | $44 | — | $44 | 0.02% |
| HEATHER F SEIBERT3 | 86 COUNTY ROAD 303 SHINER, TX 77984 | AFLAC | $44 | — | $44 | 0.02% |
| JAY T REX3 | 3710 CANEY CREEK ROAD AUSTIN, TX 78732 | AFLAC | $41 | — | $41 | 0.02% |
| FRANK D LAFEMINA3 | 165 SOUTH GUADALUPE STREET SUITE 120 SAN MARCOS, TX 78666 | AFLAC | $38 | — | $38 | 0.02% |
| MICHELLE CARRASCO3 | 11502 LILY BLAIR SAN ANTONIO, TX 78253 | AFLAC | $18 | — | $18 | 0.01% |
| ANDREW M GARCIA3 | 906 CARMEL PARKWAY CORPUS CHRISTI, TX 78411 | AFLAC | $17 | — | $17 | 0.01% |
| RONALD J ZULLO3 | 6700 TOWERING RIDGE WAY APARTMENT 144 CINCINNATI, OH 45247 | AFLAC | $16 | — | $16 | 0.01% |
| MELVIN J ROBERSON3 | 4014 COLORADO STREET TEXARKANA, TX 75503 | AFLAC | $14 | — | $14 | 0.01% |
| MONICA FABELA REED3 | 5918 CHANNCY SPRINGS STREET SAN ANTONIO, TX 78233 | AFLAC | $13 | — | $13 | 0.01% |
| BILLY KEITH3 | 3827 NORTH 10TH STREET SUITE 303 MCALLEN, TX 78501 | AFLAC | $11 | — | $11 | 0.01% |
| ROBERT D SEIBERT3 | 86 COUNTY ROAD 303 SHINER, TX 77984 | AFLAC | $7 | — | $7 | 0.00% |
| MICHAEL GRASS3 | 21707 KINGSLAND BOULEVARD SUITE 105 KATY, TX 77450 | AFLAC | $7 | — | $7 | 0.00% |
| BILLY KEITH3 | 2211 NORTH 23RD STREET MCALLEN, TX 78501 | AFLAC | $6 | — | $6 | 0.00% |
| JOE A DEPASQUAL3 | 403 NORTH FM 113 WEATHERFORD, TX 76088 | AFLAC | $6 | — | $6 | 0.00% |
| CHARLES MCCRANN3 | PO BOX 6971 CORPUS CHRISTI, TX 78466 | AFLAC | $4 | — | $4 | 0.00% |
| JOHN JOSEPH TAYLOR3 | 701 VALLEY VIEW WEST ROAD SAN MARCOS, TX 78666 | AFLAC | $3 | — | $3 | 0.00% |
| ERIC J LEGER3 | 623 EAST 7TH 1/2 STREET HOUSTON, TX 77007 | AFLAC | $1 | — | $1 | 0.00% |
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 | 353 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 357 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN OF TEXAS, INC. | 170 | $1.9M |
| Dental(2 contracts, 2 carriers) | HUMANA HEALTH PLAN OF TEXAS, INC. | 293 | $2.2M |
| Vision(2 contracts, 2 carriers) | HUMANA HEALTH PLAN OF TEXAS, INC. | 293 | $2.2M |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 293 | $474K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 293 | $294K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 293 | $294K |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 336 | $652K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 336 | — |
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.