| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CATTO & CATTO BENEFITS GROUP LLP3 | 106 S ST MARY'S STREET #800 SAN ANTONIO, TX 78205 | BLUECROSS BLUESHIELD OF TEXAS | $28K | $6K | $35K | 3.96% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS INC. | — | BLUECROSS BLUESHIELD OF TEXAS | $20K | — | $20K | 2.22% |
| CATTO & CATTO BENEFITS GROUP LLP3 Filed as: CATTO & CATTO BENEFITS GROUP LLC | — | BLUECROSS BLUESHIELD OF TEXAS | — | $2K | $2K | 0.22% |
| 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 | $4K | $9K | 14.95% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS INC. | 106 S SAINT MARYS ST STE 800 SAN ANTONIO, TX 78205 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 6.25% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS, INC. FW | 601 N. MESA STE 1550 EL PASO, TX 79901 | DEARBORN LIFE INSURANCE COMPANY | $2K | $547 | $2K | 13.62% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS, INC. | — | MEDICAL AIR SERVICES ASSOCIATION INC. | $2K | — | $2K | 24.04% |
| ASSUREX GLOBAL CORPORATION3 Filed as: ASSUREX GLOBAL | — | MEDICAL AIR SERVICES ASSOCIATION INC. | $270 | — | $270 | 3.31% |
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 | 150 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 161 | $879K |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 161 | $879K |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 88 | $15K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 150 | $59K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 150 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 161 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.