| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CATTO & CATTO BENEFITS GROUP LLP3 Filed as: CATTO & CATTO BENEFITS GROUP, LLP | 106 S SAINT MARY'S ST STE 800 SAN ANTONIO, TX 78205 | UNITEDHEALTHCARE INSURANCE COMPANY | $11K | — | $11K | 2.33% |
| CATTO & CATTO BENEFITS GROUP LLP3 Filed as: CATTO & CATTO BENEFITS GROUP, LLC | 106 S. ST MARYS ST #800 SAN ANTONIO, TX 78205 | UNITEDHEALTHCARE INSURANCE COMPANY | $9K | — | $9K | 1.95% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS-SEE ATTACHED | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $524 | $4K | 41.99% |
| 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 | $794 | — | $794 | 10.00% |
| 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 | $841 | — | $841 | 15.00% |
| CATTO & CATTO BENEFITS GROUP LLP3 Filed as: CATTO & CATTO | — | MEDICAL AIR SERVICES ASSOCIATION, INC. | $511 | — | $511 | 15.24% |
| MASA AGENT3 | — | MEDICAL AIR SERVICES ASSOCIATION, INC. | $435 | — | $435 | 12.97% |
| ASSUREX GLOBAL CORPORATION3 Filed as: ASSUREX GLOBAL | — | MEDICAL AIR SERVICES ASSOCIATION, INC. | $85 | — | $85 | 2.53% |
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 | 100 | 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) | 100 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 94 | $455K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 94 | $455K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 94 | $455K |
| Life insurance | STANDARD INSURANCE COMPANY | 101 | $8K |
| Short-term disability | STANDARD INSURANCE COMPANY | 12 | $6K |
| Other(3 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 101 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 101 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.