| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | 6100 FAIRVIEW ROAD 14TH FLOOR CHARLOTTE, NC 28222 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $0 | $30K | $30K | 1.11% |
| CATTO & CATTO BENEFITS GROUP LLP3 | 106 S ST MARYS ST STE 800 SAN ANTONIO, TX 78205 | KAISER FOUNDATION HEALTH PLAN INC. | $56K | — | $56K | 2.95% |
| CLINTON GOTCHER3 | 109 CASA LOMA CIRCLE GEORGETOWN, TX 78633 | HUMANA INSURANCE COMPANY | $120K | — | $120K | 15.00% |
| BAFFIN BAY MARKETING GROUP, LLC3 | PO BOX 161690 AUSTIN, TX 78716 | HUMANA INSURANCE COMPANY | $64K | — | $64K | 8.00% |
| CORPORATE BENEFIT SOLUTIONS3 | 702 S. DENTON TAP RD, STE 100 COPPELL, TX 75019 | HUMANA INSURANCE COMPANY | $24K | — | $24K | 3.00% |
| CATTO & CATTO BENEFITS GROUP LLP3 | 106 S ST MARYS ST STE 800 SAN ANTONIO, TX 78205 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $11K | — | $11K | 1.74% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | 90 S CASCADE AVE 2ND FLOOR COLORADO SPRINGS, CO 80903 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $9K | $379 | $10K | 1.60% |
| CLINTON GOTCHER3 | 109 CASA LOMA CIRCLE GEORGETOWN, TX 78633 | TRANSAMERICA LIFE INSURANCE COMPANY | $92K | — | $92K | 19.45% |
| DENNIS M PETERSON3 | PO BOX 1703 BOERNE, TX 78006 | TRANSAMERICA LIFE INSURANCE COMPANY | $26K | — | $26K | 5.52% |
| CLINTON GOTCHER3 | 109 CASA LOMA CIRCLE GEORGETOWN, TX 78633 | UNION SECURITY INSURANCE COMPANY | $27K | — | $27K | 11.22% |
| MARK G SQUIRES3 | 645 W SAN ANTONIO ST, STE 100 NEW BRAUNFELS, TX 781307905 | PRINCIPAL LIFE INSURANCE COMPANY | $21K | — | $21K | 14.35% |
| CLINTON GOTCHER3 | 109 CASA LOMA CIRCLE GEORGETOWN, TX 78633 | METLIFE INSURANCE COMPANY | $10K | — | $10K | 15.00% |
| CORPORATE BENEFIT SOLUTIONS3 | 702 S. DENTON TAP RD, STE 100 COPPELL, TX 75019 | METLIFE INSURANCE COMPANY | $2K | — | $2K | 3.00% |
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 | 6,891 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 42 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,933 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 4,686 | $3.8M |
| Vision | EYEMED VISION CARE | 11,418 | $501K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 6,891 | $2.7M |
| Short-term disability(2 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 6,891 | $2.9M |
| Long-term disability(2 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 6,891 | $2.9M |
| Other(5 contracts, 5 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 6,891 | $4.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 11,418 | — |
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.