| 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. | $64K | $5K | $69K | 5.36% |
| CATTO & CATTO BENEFITS GROUP LLP3 | 106 SOUTH ST MARYS STREET #800 SAN ANTONIO, TX 78205 | HUMANADENTAL INSURANCE COMPANY | $7K | $2K | $9K | 13.01% |
| CATTO & CATTO BENEFITS GROUP LLP3 | 106 SOUTH ST MARYS STREET SUITE 800 SAN ANTONIO, TX 78205 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $353 | $6K | 12.80% |
| 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 | $6K | $1K | $7K | 16.46% |
| CATTO & CATTO BENEFITS GROUP LLP3 Filed as: CATTO AND CATTO BENEFITS GROUP LLP | 106 SOUTH ST MARYS STREET SUITE 800 SAN ANTONIO, TX 78205 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | — | $9K | 27.41% |
| RICHARD JONES JR3 | 20502 BLUE TRINITY SAN ANTONIO, TX 78259 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 4.54% |
| CATTO & CATTO BENEFITS GROUP LLP3 Filed as: CATTO AND CATTO BENEFITS GROUP LLP | 106 SOUTH ST MARYS STREET SUITE 800 SAN ANTONIO, TX 78205 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 4.29% |
| BRENT FORD3 | 20345 REGENCY RUN GARDEN RIDGE, TX 78266 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 3.64% |
| LAURIE D BLAKEY3 | 13823 CROWN BLUFF SAN ANTONIO, TX 78217 | CONTINENTAL AMERICAN INSURANCE COMPANY | $334 | — | $334 | 1.00% |
| STEVEN P OLIVARES3 | 12606 SKYLINE MESA SAN ANTONIO, TX 78253 | CONTINENTAL AMERICAN INSURANCE COMPANY | $187 | — | $187 | 0.56% |
| BILLY KEITH3 Filed as: BILLY D KEITH | 4900 NORTH 23RD MCALLEN, TX 78501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $36 | — | $36 | 0.11% |
| ANDREW M GARCIA3 | 906 CARMEL PARKWAY CORPUS CHRISTI, TX 78411 | CONTINENTAL AMERICAN INSURANCE COMPANY | $36 | — | $36 | 0.11% |
| CATTO & CATTO BENEFITS GROUP LLP3 | 106 SOUTH ST MARYS STREET #800 SAN ANTONIO, TX 78205 | COMPBENEFITS INSURANCE COMPANY | $2K | $620 | $3K | 12.81% |
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 | 251 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 17 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 269 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN OF TEXAS, INC. | 187 | $1.3M |
| Dental | HUMANADENTAL INSURANCE COMPANY | 170 | $72K |
| Vision | COMPBENEFITS INSURANCE COMPANY | 147 | $21K |
| Life insurance | HUMANA INSURANCE COMPANY | 250 | $42K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 63 | $45K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 63 | $45K |
| Other(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 250 | $75K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 250 | — |
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.