| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CATTO & CATTO BENEFITS GROUP LLP3 Filed as: CATTO & CATTO BENEFITS GROUP LLC | 106 S. ST. MARY'S ST., STE 800 SAN ANTONIO, TX 78205 | HUMANA | $79K | $2K | $81K | 17.07% |
| CATTO & CATTO BENEFITS GROUP LLP3 Filed as: CATTO & CATTO BENEFITS GROUP LLC | 5373 TRUXTUN AVENUE VENTURA, CA 93009 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $4K | $7K | 10.30% |
| CATTO & CATTO BENEFITS GROUP LLP3 | 106 S SAINT MARYS ST STE 800 ONE ALAMO CENTER SAN ANTONIO, TX 782053603 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $1K | $9K | 17.69% |
| CATTO & CATTO BENEFITS GROUP LLP3 | 106 S SAINT MARYS ST STE 800 ONE ALAMO CENTER SAN ANTONIO, TX 782053603 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $553 | $180 | $733 | 13.26% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HUMANA EIN 61-1013183 NONE | Claims processing Service code 12 | — | $127K |
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 | 258 | 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) | 258 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA | 258 | $476K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 169 | $66K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 268 | $55K |
| Stop-loss / reinsurancereinsurance | HUMANA | 258 | $476K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 268 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 268 | — |
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.