| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CATTO & CATTO BENEFITS GROUP LLP3 | 106 S SAINT MARY'S ST #800 SAN ANTONIO, TX 78205 | BLUECROSS BLUESHIELD OF TEXAS | $37K | — | $37K | 2.73% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS INC | 106 S SAINT MARYS ST STE 800 SAN ANTONIO, TX 78205 | BLUECROSS BLUESHIELD OF TEXAS | $19K | — | $19K | 1.40% |
| CATTO & CATTO BENEFITS GROUP LLP3 Filed as: CATTO & CATTO BENEFITS GROUP, LLP | 106 S SAINT MARY'S ST. STE 800 ONE ALAMO CENTER SAN ANTONIO, TX 78205 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $2K | $6K | 19.36% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS INC | 106 S SAINT MARYS ST STE 800 SAN ANTONIO, TX 78205 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 6.89% |
| CATTO & CATTO BENEFITS GROUP LLP3 Filed as: CATTO & CATTO BENEFITS GROUP, LLP | 106 S SAINT MARY'S ST. STE 800 ONE ALAMO CENTER SAN ANTONIO, TX 78205 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 17.72% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS INC | 106 S SAINT MARYS ST STE 800 SAN ANTONIO, TX 78205 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 5.86% |
| CATTO & CATTO BENEFITS GROUP LLP3 Filed as: CATTO & CATTO BENEFITS GROUP, LLP | 106 S SAINT MARY'S ST. STE 800 ONE ALAMO CENTER SAN ANTONIO, TX 78205 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $871 | $3K | 14.33% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS INC | 106 S SAINT MARYS ST STE 800 SAN ANTONIO, TX 78205 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 5.12% |
| CATTO & CATTO BENEFITS GROUP LLP3 Filed as: CATTO & CATTO BENEFITS GROUP, LLP | 106 S SAINT MARY'S ST. STE 800 ONE ALAMO CENTER SAN ANTONIO, TX 78205 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $907 | $3K | 15.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS INC | 106 S SAINT MARYS ST STE 800 SAN ANTONIO, TX 78205 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $823 | — | $823 | 4.90% |
| CATTO & CATTO BENEFITS GROUP LLP3 Filed as: CATTO & CATTO BENEFITS GROUP, LLP | 106 S SAINT MARY'S ST. STE 800 ONE ALAMO CENTER SAN ANTONIO, TX 78205 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $891 | $2K | 15.67% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS INC | 106 S SAINT MARYS ST STE 800 SAN ANTONIO, TX 78205 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $784 | — | $784 | 4.92% |
| CATTO & CATTO BENEFITS GROUP LLP3 | 106 S SAINT MARY'S ST #800 ONE ALAMO CENTER SAN ANTONIO, TX 78205 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $233 | $1K | 8.19% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS INC | 106 S SAINT MARYS ST STE 800 SAN ANTONIO, TX 78205 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $506 | — | $506 | 3.35% |
| CATTO & CATTO BENEFITS GROUP LLP3 Filed as: CATTO & CATTO BENEFITS GROUP, LLP | 106 S SAINT MARY'S ST. STE 800 ONE ALAMO CENTER SAN ANTONIO, TX 78205 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $389 | $389 | 5.84% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS INC | 106 S SAINT MARYS ST STE 800 SAN ANTONIO, TX 78205 | MASA MEDICAL TRANSPORT SOLUTIONS | $889 | — | $889 | 20.09% |
| CATTO & CATTO BENEFITS GROUP LLP3 Filed as: CATTO AND CATTO | 106 S SAINT MARY'S ST. STE 800 ONE ALAMO CENTER SAN ANTONIO, TX 78205 | MASA MEDICAL TRANSPORT SOLUTIONS | $790 | — | $790 | 17.85% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS INC | 106 S SAINT MARY'S ST. STE 800 SAN ANTONIO, TX 78205 | COMBINED INSURANCE | $947 | — | $947 | 23.00% |
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 | 178 | 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) | 178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 233 | $1.3M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 233 | $1.3M |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 133 | $15K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 179 | $51K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 69 | $24K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 12 | $7K |
| Other(7 contracts, 4 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 233 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 233 | — |
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.