| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CATTO & CATTO BENEFITS GROUP LLP3 | 106 S SAINT MARYS ST STE 800 ONE ALAMO CENTER SAN ANTONIO, TX 782053603 | HEALTH CARE SERVICE CORPORATION | $14K | $0 | $14K | 5.10% |
| CATTO & CATTO BENEFITS GROUP LLP3 | 106 S SAINT MARY'S ST #800 SAN ANTONIO, TX 782053603 | HUMANA INSURANCE COMPANY | $2K | $231 | $2K | 11.38% |
| CATTO & CATTO BENEFITS GROUP LLP3 | 106 S SAINT MARYS ST STE 800 ONE ALAMO CENTER SAN ANTONIO, TX 782053603 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $206 | $2K | 21.81% |
| CATTO & CATTO BENEFITS GROUP LLP3 | 106 S SAINT MARYS ST STE 800 ONE ALAMO CENTER SAN ANTONIO, TX 782053603 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $107 | $2K | 21.45% |
| CATTO & CATTO BENEFITS GROUP LLP3 | 106 S SAINT MARY'S ST #800 SAN ANTONIO, TX 782053603 | HUMANA INSURANCE COMPANY | $487 | $56 | $543 | 11.26% |
| MASA AGENT3 | — | MEDICAL AIR SERVICES ASSOCIATION, INC. | $55 | $0 | $55 | 16.13% |
| CATTO & CATTO BENEFITS GROUP LLP3 | 106 S SAINT MARYS ST STE 800 ONE ALAMO CENTER SAN ANTONIO, TX 782053603 | MEDICAL AIR SERVICES ASSOCIATION, INC. | $51 | $0 | $51 | 14.96% |
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 | 49 | 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) | 50 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICE CORPORATION | 39 | $284K |
| Dental | HUMANA INSURANCE COMPANY | 43 | $18K |
| Vision | HUMANA INSURANCE COMPANY | 35 | $5K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 54 | $19K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 54 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 54 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.