| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CATTO & CATTO BENEFITS GROUP LLP3 Filed as: CATTO & CATTO BENEFITS GROUP, LLC | 106 S SAINT MARYS ST STE 800 SAN ANTONIO, TX 782053603 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $56K | $56K | 2.22% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS INC | 106 S SAINT MARYS ST STE 80 SAN ANTONIO, TX 782053603 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $40K | $40K | 1.61% |
| SWBC LIFE INSURANCE AGENCY, INC.3 Filed as: SWBC LIFE INS AGENCY INC | 9311 SAN PEDRO AVE STE 550 SAN ANTONIO, TX 78216 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $151 | $151 | 0.01% |
| CATTO & CATTO BENEFITS GROUP LLP3 Filed as: CATTO & CATTO BENEFITS GROUP, LLC | 106 S SAINT MARYS ST STE 800 SAN ANTONIO, TX 782053603 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | — | $7K | 4.62% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS INC | 106 S SAINT MARYS ST STE 800 SAN ANTONIO, TX 782053603 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | — | $7K | 4.60% |
| SWBC LIFE INSURANCE AGENCY, INC.3 Filed as: SWBC LIFE INS AGENCY INC | 9311 SAN PEDRO AVE STE 550 SAN ANTONIO, TX 78216 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 0.92% |
| CATTO & CATTO BENEFITS GROUP LLP3 | 106 S SAINT MARYS ST STE 800 ONE ALAMO CENTER SAN ANTONIO, TX 78205 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| SWBC LIFE INSURANCE AGENCY, INC.3 Filed as: SWBC LIFE INSURANCE AGENCY INC | 9311 SAN PEDRO AVE STE 550 SAN ANTONIO, TX 78216 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 3.33% |
| CATTO & CATTO BENEFITS GROUP LLP3 | 106 S SAINT MARYS ST STE 800 ONE ALAMO CENTER SAN ANTONIO, TX 78205 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| SWBC LIFE INSURANCE AGENCY, INC.3 Filed as: SWBC LIFE INSURANCE AGENCY INC | 9311 SAN PEDRO AVE STE 550 SAN ANTONIO, TX 78216 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $880 | $880 | 2.54% |
| CATTO & CATTO BENEFITS GROUP LLP3 | 106 S SAINT MARYS ST STE 800 ONE ALAMO CENTER SAN ANTONIO, TX 78205 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| SWBC LIFE INSURANCE AGENCY, INC.3 Filed as: SWBC LIFE INSURANCE AGENCY INC | 9311 SAN PEDRO AVE STE 550 SAN ANTONIO, TX 78216 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $798 | $798 | 2.51% |
| CATTO & CATTO BENEFITS GROUP LLP3 Filed as: CATTO & CATTO BENEFITS GROUP, LLC | 106 S SAINT MARYS ST STE 800 SAN ANTONIO, TX 782053603 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 4.61% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS INC | 106 S SAINT MARYS ST STE 800 SAN ANTONIO, TX 782053603 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 4.58% |
| SWBC LIFE INSURANCE AGENCY, INC.3 Filed as: SWBC LIFE INS AGENCY INC | 9311 SAN PEDRO AVE STE 550 SAN ANTONIO, TX 78216 | UNITEDHEALTHCARE INSURANCE COMPANY | $263 | — | $263 | 0.91% |
| L H WHITAKER ENTERPRISES INC3 | 9044 BROWNING ST CHAPPELL HILL, TX 77426 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 5.49% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | 2333 TOWN CENTER DR SUGAR LAND, TX 77478 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $362 | — | $362 | 1.58% |
| B T WILKING INC3 | 18700 PALM BEACH BLVD MONTGOMERY, TX 77356 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $121 | — | $121 | 0.53% |
| SWBC LIFE INSURANCE AGENCY, INC.3 Filed as: SWBC LIFE INSURANCE AGENCY INC | 9311 SAN PEDRO AVE STE 600 SAN ANTONIO, TX 78216 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $105 | — | $105 | 0.46% |
| THOMAS SNYDER3 | 10539 DEDEKE DR. NEW BRAUNFELS, TX 78132 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $76 | — | $76 | 0.33% |
| BILLY MARK ROBERSON3 Filed as: BILLY MARK ROBERTSON | 19210 BOCA DEL MAR SAN ANTONIO, TX 78258 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $49 | — | $49 | 0.21% |
| HORIZON BENEFITS LLC3 | 1150 N LOOP 1604 W SAN ANTONIO, TX 78258 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $39 | — | $39 | 0.17% |
| TIMOTHY J REED3 Filed as: TIMOTHY COBB | 11086 NW COUNTY ROAD 1370 BARRY, TX 75102 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $37 | — | $37 | 0.16% |
| OMAR MENDOZA3 | 26326 ROCKWALL PKWY NEW BRAUNFELS, TX 78122 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $36 | — | $36 | 0.16% |
| SALAZAR INSURANCE GROUP LLC3 Filed as: SALAZAR INSURANCE GROUP | 611 E LOOP 499 HARLINGEN, TX 78550 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $35 | — | $35 | 0.15% |
| PAUL J PIPER3 | 611 E LOOP 499 HARLINGEN, TX 78550 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $27 | — | $27 | 0.12% |
| KELLY MELISSA RUSHING3 | 725 RIVER BLUFF DR LYTLE, TX 78052 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 0.10% |
| MANUEL FUENTES3 | 63 MARIPOSA PKWY W BOERNE, TX 78006 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $21 | — | $21 | 0.09% |
| TROY J PALMER3 | 15534 CLOVER RDG SAN ANTONIO, TX 78248 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.07% |
| JOHN DAVID BODKER3 | 11415 SPRIGHTLY LN STE 118 SAN ANTONIO, TX 78254 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.03% |
| BRUCE D AKERS3 | 2383 CALYPSO LN LEAGUE CITY, TX 77573 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.02% |
| DANIEL MARTIN ROMAN3 | 15938 SILVER ROSE SELMA, TX 78154 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| SA GENERAL AGENCY INC3 | PO BOX 592737 SAN ANTONIO, TX 78259 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| THE PINNACLE BEN GRP, INC.3 Filed as: THE PINNACLE BEN GRP INC | PO BOX 640 BOERNE, TX 78006 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| CATTO & CATTO BENEFITS GROUP LLP3 | 106 S SAINT MARYS ST STE 800 ONE ALAMO CENTER SAN ANTONIO, TX 78205 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| SWBC LIFE INSURANCE AGENCY, INC.3 | 9311 SAN PEDRO AVENUE, SUITE 550 SAN ANTONIO, TX 78216 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $577 | $577 | 2.57% |
| CATTO & CATTO BENEFITS GROUP LLP3 | 106 S SAINT MARYS ST STE 800 ONE ALAMO CENTER SAN ANTONIO, TX 78205 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $812 | $5K | 24.15% |
| CATTO & CATTO BENEFITS GROUP LLP3 | 106 S SAINT MARYS ST STE 800 ONE ALAMO CENTER SAN ANTONIO, TX 78205 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| SWBC LIFE INSURANCE AGENCY, INC.3 Filed as: SWBC LIFE INSURANCE AGENCY INC | 9311 SAN PEDRO AVE STE 550 SAN ANTONIO, TX 78216 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $243 | $243 | 2.18% |
| CATTO & CATTO BENEFITS GROUP LLP3 | 106 S SAINT MARYS ST STE 800 ONE ALAMO CENTER SAN ANTONIO, TX 78205 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| SWBC LIFE INSURANCE AGENCY, INC.3 Filed as: SWBC LIFE INSURANCE AGENCY INC | 9311 SAN PEDRO AVE STE 550 SAN ANTONIO, TX 78216 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $145 | $145 | 1.51% |
| CATTO & CATTO BENEFITS GROUP LLP3 Filed as: CATTO AND CATTO | 106 SOUTH ST. MARY'S STREET, SUITE SAN ANTONIO, TX 78205 | MEDICAL AIR SERVICES ASSOCIATION, INC. | $992 | — | $992 | 19.99% |
| MASA AGENT3 | 1250 S. PINE ISLAND ROAD, SUITE 500 PLANTATION, FL 33324 | MEDICAL AIR SERVICES ASSOCIATION, INC. | $840 | — | $840 | 16.93% |
| SHERRY BRANDA3 Filed as: SHERRY RANDA | 29623 SKYMAC RANCH RD HEMPSTREAD, TX 77445 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $568 | — | $568 | 17.16% |
| ERIN MYERS3 | 32334 HUNTER PARK CONROE, TX 77385 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $34 | — | $34 | 1.03% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: ARTHUR J GALLAGHER AND COMPANY | PO BOX 3008 ARLINGTON HEIGHTS, IL 60006 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $22 | — | $22 | 0.66% |
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 | 254 | 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) | 255 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 260 | $2.5M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 295 | $161K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 293 | $29K |
| Life insurance(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 262 | $82K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 116 | $35K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 259 | $32K |
| Other(7 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 262 | $107K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 295 | — |
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.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.