| 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, 1 ALAMO CENTER SAN ANTONIO, TX 782053603 | METROPOLITAN LIFE INSURANCE COMPANY | $24K | — | $24K | 6.48% |
| CATTO & CATTO BENEFITS GROUP LLP3 Filed as: CATTO & CATTO BENEFITS GROUP LLC | 106 S SAINT MARYS ST STE 800, 1 ALAMO CENTER SAN ANTONIO, TX 782053603 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $286 | $3K | 7.85% |
| CATTO & CATTO BENEFITS GROUP LLP3 Filed as: CATTO & CATTO BENEFITS GROUP LLC | 106 S SAINT MARYS ST STE 800, 1 ALAMO CENTER SAN ANTONIO, TX 782053603 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $215 | $2K | 8.04% |
| CATTO & CATTO BENEFITS GROUP LLP3 Filed as: CATTO & CATTO BENEFITS GROUP LLC | 106 S SAINT MARYS ST STE 800, 1 ALAMO CENTER SAN ANTONIO, TX 782053603 | METROPOLITAN LIFE INSURANCE COMPANY | $55 | $7 | $62 | 0.44% |
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 | 445 | 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) | 446 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 137 | $71K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 598 | $378K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 598 | $378K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 598 | $378K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 598 | $378K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 598 | $378K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 598 | — |
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.