| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CATTO & CATTO BENEFITS GROUP LLP3 | 106 S ST MARY'S ST #800 SAN ANTONIO, TX 782053603 | HUMANA HEALTH PLAN OF TEXAS, INC. | $17K | $1K | $18K | 4.35% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX AGENCY INC - ROCHESTER | 225 KENNETH DR ROCHESTER, NY 14623 | HUMANA HEALTH PLAN OF TEXAS, INC. | $1K | — | $1K | 0.33% |
| CATTO & CATTO BENEFITS GROUP LLP3 | 106 S ST MARY'S ST #800 SAN ANTONIO, TX 782053603 | HUMANA INSURANCE COMPANY | $6K | — | $6K | 5.41% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX AGENCY INC - ROCHESTER | 225 KENNETH DR ROCHESTER, NY 14623 | HUMANA INSURANCE COMPANY | $2K | — | $2K | 2.04% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS, INC. | 106 S ST MARY'S ST #800 SAN ANTONIO, TX 782053603 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 9.78% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS, INC. | 2924 KNIGHT ST STE 370 SHREVEPORT, LA 71105 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $2K | $2K | 2.66% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX INSURANCE ANGENCY, INC | 150 SAWGRASS DR ROCHESTER, NY 14620 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $418 | $199 | $617 | 0.94% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS, INC. | 106 S ST MARY'S ST #800 SAN ANTONIO, TX 782053603 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $691 | — | $691 | 5.86% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS, INC. | 2924 KNIGHT ST STE 370 SHREVEPORT, LA 71105 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $340 | $340 | 2.88% |
| PAYCHEX INSURANCE AGENCY, INC.3 | 150 SAWGRASS DR ROCHESTER, NY 14620 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $117 | $61 | $178 | 1.51% |
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 | 83 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 31 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN OF TEXAS, INC. | 52 | $417K |
| Dental | HUMANA INSURANCE COMPANY | 78 | $104K |
| Vision | HUMANA INSURANCE COMPANY | 78 | $104K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 83 | $66K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 36 | $12K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 83 | $66K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 83 | $66K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 83 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.