| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CATTO & CATTO BENEFITS GROUP LLP3 | 106 S. ST. MARY'S ST., STE 800 SAN ANTONIO, TX 782053603 | HUMANA | $65K | $1K | $66K | 13.06% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS INC | ONE ALAMO CENTER 106 S. ST MARYS ST, SUITE 800 SAN ANTONIO, TX 78205 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $2K | $5K | 8.47% |
| CATTO & CATTO BENEFITS GROUP LLP3 | ONE ALAMO CENTER 106 S SAINT MARYS ST, STE 800 SAN ANTONIO, TX 782053603 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $4K | $13K | 22.31% |
| CATTO & CATTO BENEFITS GROUP LLP3 | ONE ALAMO CENTER 106 S SAINT MARYS ST, STE 800 SAN ANTONIO, TX 782053603 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $743 | $510 | $1K | 16.88% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HUMANA EIN 61-1013183 NONE | Claims processing Service code 12 | — | $53K |
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 | 359 | 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) | 359 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA | 191 | $509K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 150 | $59K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 368 | $64K |
| Stop-loss / reinsurancereinsurance | HUMANA | 191 | $509K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 368 | $64K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 368 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.