| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CATTO & CATTO BENEFITS GROUP LLP3 Filed as: CATTO & CATTO LLP | 106 SOUTH ST MARY'S STREET STE 800 SAN ANTONIO, TX 78205 | AETNA LIFE INSURANCE COMPANY | $26K | $0 | $26K | 0.72% |
| CATTO & CATTO BENEFITS GROUP LLP3 Filed as: CATTO & CATTO LLP | 106 SOUTH ST MARY'S STREET, STE 800 SAN ANTONIO, TX 78205 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $3K | $16K | 7.14% |
| CATTO & CATTO BENEFITS GROUP LLP3 Filed as: CATTO & CATTO LLP | 106 SOUTH ST MARY'S STREET STE 800 SAN ANTONIO, TX 78205 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $0 | $8K | 15.30% |
| CATTO & CATTO BENEFITS GROUP LLP3 Filed as: CATTO & CATTO LLP | 106 SOUTH ST MARY'S STREET STE 800 SAN ANTONIO, TX 78205 | METROPOLITAN LIFE INSURANCE COMPANY | $28K | $10 | $28K | 59.97% |
| CATTO & CATTO BENEFITS GROUP LLP3 Filed as: CATTO & CATTO LLP | 106 SOUTH ST MARY'S STREET STE 800 SAN ANTONIO, TX 78205 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.64% |
| AMCORP3 Filed as: AMCORP INS & FINANCIAL SERVICES INC | 3519 PAESANOS PARKWAY, STE 106 SAN ANTONIO, TX 78231 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 4.78% |
| GCG FINANCIAL LLC3 Filed as: AMCORP AN ALERA GROUP AGENCY LLC | 3519 PAESANOS PARKWAY, STE 106 SAN ANTONIO, TX 78231 | METROPOLITAN LIFE INSURANCE COMPANY | $367 | $0 | $367 | 0.87% |
| CATTO & CATTO BENEFITS GROUP LLP3 Filed as: CATTO & CATTO LLP | 106 SOUTH ST MARY'S STREET STE 800 SAN ANTONIO, TX 78205 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $10 | $14K | 58.68% |
| CATTO & CATTO BENEFITS GROUP LLP3 Filed as: CATTO & CATTO LLP | 106 SOUTH ST MARY'S STREET STE 800 SAN ANTONIO, TX 78205 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $10 | $9K | 59.58% |
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 | 288 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 290 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | AETNA LIFE INSURANCE COMPANY | 1,114 | $3.6M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 1,114 | $3.8M |
| Vision | AETNA LIFE INSURANCE COMPANY | 1,114 | $3.6M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 573 | $226K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 573 | $226K |
| Other(6 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 573 | $408K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,114 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.