| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CATTO & CATTO BENEFITS GROUP LLP3 Filed as: CATTO & CATTO BENEFITS GRP LLP | 106 S SAINT MARYS ST STE 800 SAN ANTONIO, TX 78205 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| CATTO & CATTO BENEFITS GROUP LLP3 Filed as: CATTO & CATTO BENEFITS GRP LLP | 106 S SAINT MARYS ST STE 800 SAN ANTONIO, TX 78205 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| CATTO & CATTO BENEFITS GROUP LLP3 Filed as: CATTO & CATTO BENEFITS GRP LLP | 106 S SAINT MARYS ST STE 800 SAN ANTONIO, TX 78205 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| CATTO & CATTO BENEFITS GROUP LLP3 Filed as: CATTO & CATTO BENEFITS GRP LLP | 106 S SAINT MARYS ST STE 800 SAN ANTONIO, TX 78205 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| CATTO & CATTO BENEFITS GROUP LLP3 Filed as: CATTO & CATTO BENEFITS GRP LLP | 106 S SAINT MARYS ST STE 800 SAN ANTONIO, TX 78205 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| CATTO & CATTO BENEFITS GROUP LLP Filed as: CATTO & CATTO BENEFITS GRP LLP | 106 S SAINT MARYS ST STE 800 SAN ANTONIO, TX 78205 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| CATTO & CATTO BENEFITS GROUP LLP3 Filed as: CATTO & CATTO BENEFITS GRP LLP | 106 S SAINT MARYS ST STE 800 SAN ANTONIO, TX 78205 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| CATTO & CATTO BENEFITS GROUP LLP3 Filed as: CATTO & CATTO BENEFITS GRP LLP | 106 S SAINT MARYS ST STE 800 SAN ANTONIO, TX 78205 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CORESOURCE EIN 35-1846036 NONE | Plan Administrator; Other services; Claims processing Service code 12 | 400 FIELD DR LAKE FOREST, IL 60045 | $252K |
| BCGHR EIN 20-2249765 NONE | Other services Service code 49 | 2648 FM407 E, STE 200 BARTONVILLE, TX 76226 | $135K |
| BENEFIT CONSULTING GROUP EIN 45-4310319 NONE | Insurance agents and brokers; Consulting (general) Service code 16 | 2648 FM407 E SUITE 200 BARTONVILLE, TX 76226 | $108K |
| MBM FIDUCIARY SERVICES, LLC EIN 46-2018455 NONE | Trustee (bank, trust company, or similar financial institution) Service code 21 | 4880 LONG PRAIRIE RD FLOWER MOUND, TX 75028 | $24K |
| BDO USA LLP EIN 13-5381590 NONE | Accounting (including auditing) Service code 10 | 9901 IH-10, STE 500 SAN ANTONIO, TX 78230 | $23K |
| PHCS EIN 13-3068979 NONE | Other services Service code 49 | 6116 SHALLOWFORD RD STE 109B CHATTANOOGA, TN 37421 | $21K |
| HEALTH FITNESS EIN 41-1580506 NONE | Claims processing Service code 12 | 1650 WEST 82ND ST STE 1100 MINNEAPOLIS, MN 55431 | $8K |
| KHA ACCOUNTANTS & ADVISORS, PC EIN 75-1761003 NONE | Accounting (including auditing) Service code 10 | 4880 LONG PRAIRIE RD FLOWER MOUND, TX 75028 | $8K |
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 | 486 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 486 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 436 | $49K |
| Short-term disability(4 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 436 | $134K |
| Long-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 435 | $84K |
| Stop-loss / reinsurancereinsurance | STANDARD SECURITY LIFE | 484 | $659K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 181 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 484 | — |
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."
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.