| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CATTO & CATTO BENEFITS GROUP LLP | 217 E. HOUSTON, #100 SAN ANTONIO, TX 78205 | SUN LIFE ASSURANCE COMPANY OF CANADA | $10K | — | $10K | 4.39% |
| WILLIS TOWERS WATSON US LLC Filed as: WILLIS OF WI INC | 400 N EXECUTIVE DR STE 300 BROOKFIELD, WI 53005 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 1.34% |
| WILLIS TOWERS WATSON US LLC Filed as: WILLIS OF ILLINOIS INC | 233 S WACKER DR STE 200 CHICAGO, IL 60606 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 0.67% |
| CATTO & CATTO BENEFITS GROUP LLP | 106 S SAINT MARYS ST STE 800 SAN ANTONIO, TX 78205 | AMERITAS LIFE INSURANCE CORP | $4K | $218 | $4K | 4.91% |
| CATTO & CATTO BENEFITS GROUP LLP | 106 S SAINT MARYS ST STE 800 SAN ANTONIO, TX 78205 | SUPERIOR VISION OF TEXAS | $2K | — | $2K | 10.96% |
| CATTO & CATTO BENEFITS GROUP LLP | 106 S SAINT MARYS ST STE 800 SAN ANTONIO, TX 78205 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 14.99% |
| CATTO & CATTO BENEFITS GROUP LLP | 217 E. HOUSTON, #100 SAN ANTONIO, TX 78205 | SUN LIFE ASSURANCE COMPANY OF CANADA | $935 | — | $935 | 12.09% |
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 | 308 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 308 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP | 510 | $82K |
| Vision(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORP | 510 | $99K |
| Life insurance(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 305 | $18K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 310 | $232K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 510 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.