| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS, INC. | PO BOX 1779 EL PASO, TX 79949 | UNITEDHEALTHCARE INSURANCE COMPANY | $23K | — | $23K | 4.54% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TX INC. | 106 S. ST. MARYS ST. 8TH FL SAN ANTONIO, TX 78205 | STANDARD INSURANCE COMPANY | $597 | — | $597 | 6.70% |
| CATTO & CATTO BENEFITS GROUP LLP3 Filed as: CATTO & CATTO BENEFITS GROUP, LLP | 106 S. ST MARYS ST #800 SAN ANTONIO, TX 78205 | STANDARD INSURANCE COMPANY | $292 | — | $292 | 3.28% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS, INC. | 106 S SAINT MARY'S ST SAN ANTONIO, TX 78205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $862 | — | $862 | 10.64% |
| KELLY MELISSA RUSHING3 | 725 RIVER BLUFF DR. LYTLE, TX 78052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $391 | $89 | $480 | 5.93% |
| TIMOTHY J REED3 Filed as: TIMOTHY COBB | 11086 NW COUNTY ROAD 1370 BARRY, TX 75102 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $66 | $93 | $159 | 1.96% |
| TROY J PALMER3 Filed as: TROY J. PALMER | 15534 CLOVER RIDGE SAN ANTONIO, TX 78248 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $86 | — | $86 | 1.06% |
| JOHN DAVID BODKER3 | 11415 SPRIGHTLY LN. STE 118 SAN ANTONIO, TX 78254 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | — | $25 | 0.31% |
| THOMAS SNYDER3 | 10539 DEDEKE DR. NEW BRAUNFELS, TX 78132 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.21% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TX INC. | 106 S. ST. MARYS ST. 8TH FL. SAN ANTONIO, TX 78205 | STANDARD INSURANCE COMPANY | $504 | — | $504 | 10.46% |
| CATTO & CATTO BENEFITS GROUP LLP3 Filed as: CATTO & CATTO BENEFITS GROUP, LLP | 106 S SAINT MARY'S ST STE 800 SAN ANTONIO, TX 78205 | STANDARD INSURANCE COMPANY | $219 | — | $219 | 4.54% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS | — | MEDICAL AIR SERVICES ASSOCIATION, INC. | $640 | — | $640 | 20.01% |
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 | 108 | 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) | 108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 109 | $513K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 109 | $513K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 109 | $513K |
| Life insurance | STANDARD INSURANCE COMPANY | 108 | $9K |
| Short-term disability | STANDARD INSURANCE COMPANY | 13 | $5K |
| Other(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 108 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 109 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.