| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CATTO & CATTO BENEFITS GROUP LLP3 | 106 S ST MARYS ST STE 800 SAN ANTONIO, TX 782053603 | KAISER FOUNDATION HEALTH PLAN INC. | $100K | — | $100K | 4.75% |
| CATTO & CATTO BENEFITS GROUP LLP3 | 106 S ST MARYS ST STE 800 SAN ANTONIO, TX 78205 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | — | $28K | $28K | 1.42% |
| CLINTON GOTCHER3 | 109 CASA LOMA CIRCLE GEORGETOWN, TX 78633 | MANHATTAN LIFE ASSURANCE CO OF AMERICA | $187K | — | $187K | 20.00% |
| BAFFIN BAY MARKETING GROUP, LLC3 | PO BOX 161690 AUSTIN, TX 78716 | MANHATTAN LIFE ASSURANCE CO OF AMERICA | $56K | — | $56K | 6.01% |
| CLINTON GOTCHER3 Filed as: CLINTON RAY GOTCHER | 109 CASA LOMA CIRCLE GEORGETOWN, TX 78633 | SUN LIFE ASSURANCE COMPANY OF CANADA | $200K | — | $200K | 35.07% |
| CATTO & CATTO BENEFITS GROUP LLP3 Filed as: CATTO & CATTO BENEFITS GROUP LLC | 106 S ST MARYS ST STE 800 SAN ANTONIO, TX 78205 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $14K | — | $14K | 3.01% |
| CLINTON GOTCHER3 Filed as: CLINTON R GOTCHER | 109 CASA LOMA CIRCLE GEORGETOWN, TX 78633 | TRANSAMERICA LIFE INSURANCE COMPANY | $92K | — | $92K | 21.52% |
| DENNIS M PETERSON3 | PO BOX 1703 BOERNE, TX 78006 | TRANSAMERICA LIFE INSURANCE COMPANY | $14K | — | $14K | 3.33% |
| MARK G SQUIRES3 | 645 W SAN ANTONIO ST, STE 100 NEW BRAUNFELS, TX 781307905 | PRINCIPAL LIFE INSURANCE COMPANY | $24K | — | $24K | 12.27% |
| MARK G SQUIRES3 Filed as: MARK SQUIRES | MARK G. SQUIRES NEW BRAUNSFELS, TX 78130 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $27K | $138K | $165K | 86.02% |
| MARK G SQUIRES3 | 645 W SAN ANTONIO ST, STE 100 NEW BRAUNFELS, TX 781307905 | PRINCIPAL LIFE INSURANCE COMPANY | $9K | — | $9K | 10.12% |
| EQUITABLE NETWORK LLC3 Filed as: EQUITABLE ADVISORS LLC | 280 S 400 W STE 100 SALT LAKE CITY, UT 841011895 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | — | $6K | 6.55% |
| CLINTON GOTCHER3 | 109 CASA LOMA CIRCLE GEORGETOWN, TX 78633 | METLIFE INSURANCE COMPANY | $104 | — | $104 | 15.07% |
| BENEFIT RESEARCH CORPORATION3 | PO BOX 1950 COPPELL, TX 750191903 | METLIFE INSURANCE COMPANY | $21 | — | $21 | 3.04% |
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 | 6,022 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 35 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,057 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 5 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 2,990 | $3.9M |
| Vision | EYEMED VISION CARE | 10,599 | $631K |
| Life insurance(2 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 8,067 | $2.2M |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 121 | $197K |
| Long-term disability(4 contracts, 3 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 8,067 | $2.5M |
| Other(7 contracts, 7 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 8,067 | $4.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,599 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.