| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CATTO & CATTO BENEFITS GROUP LLP3 | 106 SOUTH ST. MARY'S STREET #800 SAN ANTONIO, TX 78205 | BLUECROSS BLUESHIELD OF TEXAS | $229K | $46 | $229K | 3.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS, INC. | — | BLUECROSS BLUESHIELD OF TEXAS | $101K | — | $101K | 1.32% |
| AVANCE, INC.3 | 824 BROADWAY STREET SUITE 204 SAN ANTONIO, TX 78215 | BLUECROSS BLUESHIELD OF TEXAS | — | $11 | $11 | 0.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS INC | 106 SOUTH ST MARY'S STREET ONE ALAMO CENTER, SUITE 800 SAN ANTONIO, TX 78205 | GUARDIAN | $84K | — | $84K | 16.11% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS INC | — | GUARDIAN | — | $5K | $5K | 0.99% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS INC | 601 NORTH MESA SUITE 1550 EL PASO, TX 79901 | DEARBORN LIFE INSURANCE COMPANY | $8K | $4K | $12K | 15.23% |
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 | 1,013 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,017 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 861 | $7.6M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 861 | $7.6M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 630 | $82K |
| Life insurance | GUARDIAN | 996 | $523K |
| Short-term disability | GUARDIAN | 996 | $523K |
| Long-term disability | GUARDIAN | 996 | $523K |
| Other | GUARDIAN | 996 | $523K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 996 | — |
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.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.