| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROCKPORT BENEFITS, LLC3 | 100 CUMMINGS CENTER BEVERLY, MA 01915 | FAIR AMERICAN INSURANCE AND REINSURANCE COMPANY | — | — | $0 | 0.00% |
| CATTO & CATTO BENEFITS GROUP LLP3 Filed as: CATTO & CATTO | 106 S SAINT MARYS ST STE 800 SAN ANTONIO, TX 78205 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $790 | $11K | 9.27% |
| CATTO & CATTO BENEFITS GROUP LLP3 Filed as: CATTO & CATTO | 106 S SAINT MARYS ST STE 800 SAN ANTONIO, TX 78205 | ALLSTATE | $10K | — | $10K | 24.13% |
| CATTO & CATTO BENEFITS GROUP LLP3 | 106 S SAINT MARYS ST STE 800 SAN ANTONIO, TX 78205 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $686 | $3K | 20.14% |
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 | 247 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 247 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ALLSTATE | 148 | $40K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 345 | $113K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 345 | $113K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 256 | $13K |
| Stop-loss / reinsurancereinsurance | FAIR AMERICAN INSURANCE AND REINSURANCE COMPANY | 258 | $201K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 345 | — |
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.
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.