| 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. | $89K | $8K | $97K | 3.11% |
| CATTO & CATTO BENEFITS GROUP LLP3 Filed as: CATTO & CATTO BENEFITS GROUP L | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $48K | $14K | $62K | 15.85% |
| RICHARD L JONES JR3 | 20502 BLUE TRINITY SAN ANTONIO, TX 78259 | AFLAC | $32K | $1K | $33K | 10.39% |
| BRENT FORD3 Filed as: BRENT A FORD | 40 NORTHEAST LOOP 410 SUITE 408 SAN ANTONIO, TX 78216 | AFLAC | $8K | $625 | $8K | 2.62% |
| BRANDY IRENE TAYLOR3 | 701 VALLEY VIEW WEST ROAD SAN MARCOS, TX 78666 | AFLAC | $7K | $602 | $7K | 2.34% |
| GABRIELA ACOSTA3 | 7343 ESTRID TRAIL SAN ANTONIO, TX 78244 | AFLAC | $6K | — | $6K | 1.89% |
| ROMAN CARRASCO3 | 40 NORTHEAST LOOP 410 SUITE 408 SAN ANTONIO, TX 78216 | AFLAC | $5K | — | $5K | 1.49% |
| JEFFREY M SATTERLEE3 | 100 SUN AVENUE NORTHEAST SUITE 650 ALBUQUERQUE, NM 87109 | AFLAC | $3K | — | $3K | 0.86% |
| ANNETTE RODRIGUE GIBBS3 | 22142 GOLDCREST RUN SAN ANTONIO, TX 78260 | AFLAC | $3K | — | $3K | 0.81% |
| JOHN JOSEPH TAYLOR3 | 701 VALLEY VIEW WEST ROAD SAN MARCOS, TX 78666 | AFLAC | $2K | $14 | $2K | 0.71% |
| KALI JUNE HAMB3 | 6000 RANDOLPH BOULEVARD APARTMENT 705 SAN ANTONIO, TX 78233 | AFLAC | $2K | — | $2K | 0.50% |
| OSCAR G TOBARCASTANEDA3 | 1006 COTTAGE OAK LANE HOUSTON, TX 77091 | AFLAC | $1K | $353 | $2K | 0.47% |
| TODD ISAAC MCGLOTHLIN3 | 9542 FALL PASS STREET SAN ANTONIO, TX 78251 | AFLAC | $1K | — | $1K | 0.42% |
| RASHEM MARISA OSTERHOUT3 | 7106 WINTER RIDGE CONVERSE, TX 78109 | AFLAC | $877 | $319 | $1K | 0.38% |
| JOSE ANTONIO FLORES3 | 2526 OLD GATE ROAD SAN ANTONIO, TX 78230 | AFLAC | $881 | $302 | $1K | 0.37% |
| KINUYO N MCCASLIN3 | 1811 BUDDING BOULEVARD SAN ANTONIO, TX 78247 | AFLAC | $1K | — | $1K | 0.35% |
| CATTO & CATTO BENEFITS GROUP LLP3 Filed as: CATTO AND CATTO BENEFITS GROUP LLP | 106 SOUTH SAINT MARYS STREET SUITE 800 SAN ANTONIO, TX 78205 | AFLAC | $905 | — | $905 | 0.28% |
| MICHAEL F CARRANZA3 | PO BOX 291148 SAN ANTONIO, TX 78229 | AFLAC | $560 | — | $560 | 0.18% |
| ANNETTE RODRIGUE GIBBS3 | 1400 CIBOLO TRAIL UNIVERSAL CITY, TX 78148 | AFLAC | $497 | — | $497 | 0.16% |
| JODIE MICHELE WELBOAN3 | 2515 WEST SAN ANTONIO STREET APARTMENT 3106 NEW BRAUNFELS, TX 78130 | AFLAC | $347 | — | $347 | 0.11% |
| RUDY VALDEZ3 | 6515 CHAPEL FOREST SAN ANTONIO, TX 78239 | AFLAC | $326 | — | $326 | 0.10% |
| ABEL I SOLTERO3 Filed as: ABEL ISAAC SOLTERO | 12906 AQUA VALLEY HELOTES, TX 78023 | AFLAC | $309 | — | $309 | 0.10% |
| STEVEN P OLIVARES3 | 12919 BOUVARDIA SAN ANTONIO, TX 78253 | AFLAC | $285 | — | $285 | 0.09% |
| JOE P SEEWALD3 | 1409 BRANCHWOOD SAN ANTONIO, TX 78248 | AFLAC | $165 | — | $165 | 0.05% |
| PAMELA GOODMAN3 | PO BOX 784 JOURDANTON, TX 78026 | AFLAC | $154 | — | $154 | 0.05% |
| JODIE MICHELE WELBOAN3 | 1747 FM 1101 APARTMENT 10102 NEW BRAUNFELS, TX 78130 | AFLAC | $118 | — | $118 | 0.04% |
| BARBARA BAROS3 | 5301 GOSHEN COURT CORPUS CHRISTI, TX 78413 | AFLAC | $110 | — | $110 | 0.03% |
| ROBERT W MCCANN JR3 | 5230 MISTY HILL SAN ANTONIO, TX 78250 | AFLAC | $87 | — | $87 | 0.03% |
| GREGORY J WEEKS3 | 1259 LOOP 337 2ND FLOOR NEW BRAUNFELS, TX 78130 | AFLAC | $75 | — | $75 | 0.02% |
| PHILIP R CANALICHIO3 | 18315 BRACKEN DRIVE UNIT 1 GARDEN RIDGE, TX 78266 | AFLAC | $70 | — | $70 | 0.02% |
| LARRY W MARONEY3 | 1230 MOUNTAIN BREEZE CANYON LAKE, TX 78133 | AFLAC | $57 | — | $57 | 0.02% |
| VICTOR G LEWIS3 | 1860 FM 359 ROAD 207 RICHMOND, TX 77406 | AFLAC | $48 | — | $48 | 0.02% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES ROBERT BLAKEY | 221 CALUMET PLACE SAN ANTONIO, TX 78209 | AFLAC | $45 | — | $45 | 0.01% |
| HEATHER F SEIBERT3 | 86 COUNTY ROAD 303 SHINER, TX 77984 | AFLAC | $38 | — | $38 | 0.01% |
| JAY T REX3 | 923 ELECTRA LAKEWAY, TX 78734 | AFLAC | $37 | — | $37 | 0.01% |
| CATTO & CATTO BENEFITS GROUP LLP3 Filed as: CATTO AND CATTO BENEFITS GROUP LLP | 106 SOUTH SAINT MARYS STREET #800 SUITE 100 SAN ANTONIO, TX 78205 | AFLAC | $28 | — | $28 | 0.01% |
| MICHELLE CARRASCO3 | 11502 LILY BLAIR SAN ANTONIO, TX 78253 | AFLAC | $19 | — | $19 | 0.01% |
| MONICA FABELA REED3 | 5918 CHANNCY SPRINGS STREET SAN ANTONIO, TX 78233 | AFLAC | $19 | — | $19 | 0.01% |
| RONALD J ZULLO3 | 6700 TOWERING RIDGE WAY APARTMENT 144 CINCINNATI, OH 45247 | AFLAC | $17 | — | $17 | 0.01% |
| LEO A GILLIES3 Filed as: LEO GILLES | 4008 VISTA ROAD SUITE C101 # B PASADENA, TX 77504 | AFLAC | $17 | — | $17 | 0.01% |
| MELVIN J ROBERSON3 | 4014 COLORADO STREET TEXARKANA, TX 75503 | AFLAC | $15 | — | $15 | 0.00% |
| ANDREW M GARCIA3 | 906 CARMEL PARKWAY CORPUS CHRISTI, TX 78411 | AFLAC | $14 | — | $14 | 0.00% |
| BILLY KEITH3 | 2211 NORTH 23RD STREET MCALLEN, TX 78501 | AFLAC | $14 | — | $14 | 0.00% |
| FRANK D LAFEMINA3 | 165 SOUTH GUADALUPE STREET SUITE 120 SAN MARCOS, TX 78666 | AFLAC | $14 | — | $14 | 0.00% |
| HERMAN R WEBER3 | 4908 HONEYSUCKLE LANE PASADENA, TX 77505 | AFLAC | $8 | — | $8 | 0.00% |
| MICHAEL GRASS3 | 21707 KINGSLAND BOULEVARD SUITE 105 KATY, TX 77450 | AFLAC | $7 | — | $7 | 0.00% |
| ROBERT D SEIBERT3 | 86 COUNTY ROAD 303 SHINER, TX 77984 | AFLAC | $6 | — | $6 | 0.00% |
| CHRISTOPHER G BOYER3 | 4203 GARDENDALE STREET SUITE 250C SAN ANTONIO, TX 78229 | AFLAC | $5 | — | $5 | 0.00% |
| STEPHEN GRAY3 | 4806 LAWSON LAKE LANE RICHMOND, TX 77407 | AFLAC | $3 | — | $3 | 0.00% |
| TODD A STULL3 | 810 SOUTH MASON ROAD SUITE 102 KATY, TX 77450 | AFLAC | $3 | — | $3 | 0.00% |
| CHARLES MCCRANN3 | PO BOX 6971 CORPUS CHRISTI, TX 78466 | AFLAC | $2 | — | $2 | 0.00% |
| JOE A DEPASQUAL3 | 814 HILLTOP DRIVE WEATHERFORD, TX 76086 | AFLAC | $2 | — | $2 | 0.00% |
| LARRY W RANGEL3 | 13803 HOLLOW CANYON LANE ROSHARON, TX 77583 | AFLAC | $2 | — | $2 | 0.00% |
| ERIC J LEGER3 | 623 EAST 7TH 1/2 STREET HOUSTON, TX 77007 | AFLAC | $1 | — | $1 | 0.00% |
| CHRISTOPHER W GRAHAM3 Filed as: CHRISTOPHER LEE INS AGENCY LLC | 27251 WESLEY CHAPEL BOULEVARD SUITE B14 #753 WESLEY CHAPEL, FL 33544 | AFLAC | $1 | — | $1 | 0.00% |
| CATTO & CATTO BENEFITS GROUP LLP3 Filed as: CATTO & CATTO BENEFITS GRP | ONE ALAMO CENTER 106 SOUTH ST MARY'S STREET, SUITE 8 SAN ANTONIO, TX 78205 | METLIFE LEGAL PLANS, INC. | $617 | — | $617 | 10.24% |
| CATTO & CATTO BENEFITS GROUP LLP3 Filed as: CATTO & CATTO BENEFITS GROUP, LLC | 106 SOUTH ST. MARY'S STREET SUITE 800 SAN ANTONIO, TX 78205 | MEDICAL AIR SERVICES ASSOCIATION, INC. | $497 | — | $497 | 9.98% |
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 | 318 | 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) | 319 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN OF TEXAS, INC. | 176 | $3.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 372 | $389K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 372 | $389K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 372 | $389K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 372 | $389K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 372 | $389K |
| Other(4 contracts, 4 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 413 | $718K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 413 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.