| 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. | $63K | $5K | $67K | 3.75% |
| CATTO & CATTO BENEFITS GROUP LLP3 Filed as: CATTO & CATTO BENEFITS GROUP L | ONE ALAMO CENTER 106 SOUTH ST MARYS STREET SUITE 800 SAN ANTONIO, TX 78205 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $34K | $10K | $44K | 15.90% |
| RICHARD L JONES JR3 | 20502 BLUE TRINITY SAN ANTONIO, TX 78259 | CONTINENTAL AMERICAN INSURANCE COMPANY | $449 | — | $449 | 3.67% |
| ROMAN CARRASCO3 | 11035 CONNEMARA COVE SAN ANTONIO, TX 78254 | CONTINENTAL AMERICAN INSURANCE COMPANY | $239 | — | $239 | 1.96% |
| BRENT FORD3 | 20345 REGENCY RUN GARDEN RIDGE, TX 78266 | CONTINENTAL AMERICAN INSURANCE COMPANY | $174 | — | $174 | 1.42% |
| BRANDY IRENE TAYLOR3 Filed as: BRANDY I TAYLOR | 701 VALLEY VIEW WEST ROAD SAN MARCOS, TX 78666 | CONTINENTAL AMERICAN INSURANCE COMPANY | $150 | — | $150 | 1.23% |
| ALLISON W COHEN DE PAOLI3 | 250 LOVERA BOULEVARD SAN ANTONIO, TX 78212 | CONTINENTAL AMERICAN INSURANCE COMPANY | $44 | — | $44 | 0.36% |
| GREGORY J WEEKS3 | 1259 LOOP 337 NORTH 2ND FLOOR NEW BRAUNFELS, TX 78130 | CONTINENTAL AMERICAN INSURANCE COMPANY | $36 | — | $36 | 0.29% |
| ROBERT W MCCANN JR3 Filed as: ROBERT MCCANN JR | 10614 ASHWELL HELOTES, TX 78023 | CONTINENTAL AMERICAN INSURANCE COMPANY | $31 | — | $31 | 0.25% |
| ABEL I SOLTERO3 | 12906 AQUA VALLEY HELOTES, TX 78023 | CONTINENTAL AMERICAN INSURANCE COMPANY | $19 | — | $19 | 0.16% |
| STEVEN P OLIVARES3 | 106 SOUTH SAINT MARYS STREET SUITE 800 SAN ANTONIO, TX 78205 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15 | — | $15 | 0.12% |
| JAMES ROB BLAKEY3 | 13823 CROWN BLUFF SAN ANTONIO, TX 78216 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | — | $9 | 0.07% |
| ROBERT D SEIBERT3 Filed as: ROBERT SEIBERT | 192 HUTTON KYLE, TX 78640 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | — | $7 | 0.06% |
| VARIOUS - SEE ATTACHED3 Filed as: AFLAC AT WORK HOUSEACCOUNT | 400 LAUREL STREET COLUMBIA, SC 29201 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.05% |
| GREGORY J WEEKS3 | 1259 LOOP 337 NORTH 2ND FLOOR NEW BRAUNFELS, TX 78130 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.04% |
| HEATHER F SEIBERT3 | 192 HUTTON KYLE, TX 78640 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.02% |
| CATTO & CATTO BENEFITS GROUP LLP3 Filed as: CATTO & CATTO BENEFITS GRP | ONE ALAMO CENTER 106 SOUTH ST MARY'S STREET #800 SAN ANTONIO, TX 78205 | METLIFE LEGAL PLANS, INC. | $322 | $28 | $350 | 10.64% |
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 | 307 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 310 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN OF TEXAS, INC. | 176 | $1.8M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 340 | $276K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 340 | $276K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 340 | $276K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 340 | $276K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 340 | $276K |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 340 | $291K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 340 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.