| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CATTO & CATTO BENEFITS GROUP LLP3 Filed as: CATTO & CATTO BENEFITS GROUP | 106 SOUTH ST. MARY'S STREET #800 SAN ANTONIO, TX 78205 | HUMANA INSURANCE COMPANY | $69K | $19K | $88K | 7.04% |
| CATTO & CATTO BENEFITS GROUP LLP3 | 217 EAST HOUSTON STREET SUITE 100 SAN ANTONIO, TX 78205 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $250 | $4K | 11.63% |
| CATTO & CATTO BENEFITS GROUP LLP3 Filed as: CATTO AND CATTO BENEFITS GROUP LLP | 217 EAST HOUSTON STREET SUITE 100 SAN ANTONIO, TX 78205 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | — | $9K | 41.61% |
| LAURIE D BLAKEY3 | 13823 CROWN BLUFF SAN ANTONIO, TX 78217 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 8.27% |
| STEVEN P OLIVARES3 | 12606 SKYLINE MESA SAN ANTONIO, TX 78253 | CONTINENTAL AMERICAN INSURANCE COMPANY | $859 | — | $859 | 3.93% |
| RICHARD L JONES JR3 | 20502 BLUE TRINITY SAN ANTONIO, TX 78259 | CONTINENTAL AMERICAN INSURANCE COMPANY | $757 | — | $757 | 3.47% |
| BRENT FORD3 Filed as: BRENT A FORD | 20345 REGENCY RUN GARDEN RIDGE, TX 78266 | CONTINENTAL AMERICAN INSURANCE COMPANY | $757 | — | $757 | 3.47% |
| BILLY KEITH3 Filed as: BILLY D KEITH | 4900 NORTH 23RD MCALLEN, TX 78501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $179 | — | $179 | 0.82% |
| ANDREW M GARCIA3 | 906 CARMEL PARKWAY CORPUS CHRISTI, TX 78411 | CONTINENTAL AMERICAN INSURANCE COMPANY | $179 | — | $179 | 0.82% |
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 | 208 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 208 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 208 | $1.3M |
| Dental | HUMANA INSURANCE COMPANY | 208 | $1.3M |
| Vision | HUMANA INSURANCE COMPANY | 208 | $1.3M |
| Life insurance | HUMANA INSURANCE COMPANY | 208 | $1.3M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 63 | $36K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 63 | $36K |
| Other(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 208 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 208 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.