| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CATTO & CATTO BENEFITS GROUP LLP3 | 106 S SAINT MARY'S ST #800 SAN ANTONIO, TX 782053603 | HUMANA HEALTH PLAN OF TEXAS, INC. | $10K | $2K | $11K | 4.55% |
| CATTO & CATTO BENEFITS GROUP LLP3 | 106 S SAINT MARY'S ST #800 SAN ANTONIO, TX 782053603 | HUMANA HEALTH PLAN OF TEXAS, INC. | $5K | $1K | $7K | 5.48% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 | PO BOX 9201 AUSTIN, TX 787669201 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $733 | $5K | 19.20% |
| CATTO & CATTO BENEFITS GROUP LLP3 Filed as: CATTO & CATTO BENEFITS GRP | 106 S SAINT MARY'S ST STE 800 1 ALAMO CENTER SAN ANTONIO, TX 782053603 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 6.52% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 782053603 | METROPOLITAN LIFE INSURANCE COMPANY | $441 | — | $441 | 1.80% |
| KAREN GERI3 | 2135 NW MILITARY HWY SAN ANTONION, TX 782131866 | METROPOLITAN LIFE INSURANCE COMPANY | $182 | — | $182 | 0.74% |
| CATTO & CATTO BENEFITS GROUP LLP3 | 106 S SAINT MARY'S ST #800 SAN ANTONIO, TX 782053603 | HUMANA INSURANCE COMPANY | $1K | $268 | $1K | 11.47% |
| CATTO & CATTO BENEFITS GROUP LLP3 | 106 S SAINT MARY'S ST #800 SAN ANTONIO, TX 782053603 | HUMANA INSURANCE COMPANY | $494 | $658 | $1K | 21.93% |
| CATTO & CATTO BENEFITS GROUP LLP3 | 106 S SAINT MARY'S ST #800 SAN ANTONIO, TX 782053603 | DENTICARE, INC. | $524 | $225 | $749 | — |
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 | 52 | 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) | 55 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | HUMANA HEALTH PLAN OF TEXAS, INC. | 23 | $373K |
| Dental(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 60 | $36K |
| Vision(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 60 | $30K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 60 | $24K |
| Prescription drug(2 contracts) | HUMANA HEALTH PLAN OF TEXAS, INC. | 23 | $373K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 60 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 60 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.