| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WITTING & MILLER INC3 Filed as: WITTING & MILLER, INC | PO BOX 311508 NEW BRAUNFELS, TX 78131 | HUMANA HEALTH PLAN OF TEXAS, INC. | $25K | $268 | $25K | 3.30% |
| CATTO & CATTO BENEFITS GROUP LLP3 | 106 SOUTH ST MARYS STREET #800 SAN ANTONIO, TX 78205 | HUMANA HEALTH PLAN OF TEXAS, INC. | $12K | $2K | $14K | 1.88% |
| WITTING & MILLER INC3 Filed as: WITTING & MILLER INC. | PO BOX 311508 NEW BRAUNFELS, TX 78131 | HUMANA INSURANCE COMPANY | $4K | — | $4K | 10.09% |
| CATTO & CATTO BENEFITS GROUP LLP3 | 106 SOUTH ST MARYS STREET #800 SAN ANTONIO, TX 78205 | HUMANA INSURANCE COMPANY | $2K | $380 | $2K | 6.08% |
| WITTING & MILLER INC3 | PO BOX 311508 NEW BRAUNFELS, TX 78131 | KANAWHA INSURANCE COMPANY | $4K | — | $4K | 15.30% |
| TIFFANY MITERKO3 | 400 WEST SAN ANTONIO STREET NEW BRAUNFELS, TX 78130 | KANAWHA INSURANCE COMPANY | $71 | — | $71 | 0.31% |
| DOUGLAS R MILLER3 | PO BOX 311508 NEW BRAUNFELS, TX 78131 | KANAWHA INSURANCE COMPANY | $35 | — | $35 | 0.15% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVENUE SUITE 401 BOSTON, MA 02199 | KANAWHA INSURANCE COMPANY | $23 | — | $23 | 0.10% |
| CATTO & CATTO BENEFITS GROUP LLP3 | 106 SOUTH ST MARYS STREET #800 SAN ANTONIO, TX 78205 | KANAWHA INSURANCE COMPANY | $14 | — | $14 | 0.06% |
| WITTING & MILLER INC3 | PO BOX 311508 NEW BRAUNFELS, TX 78131 | HUMANADENTAL INSURANCE COMPANY | $598 | — | $598 | 6.36% |
| CATTO & CATTO BENEFITS GROUP LLP3 | 106 SOUTH ST MARYS STREET #800 SAN ANTONIO, TX 78205 | HUMANADENTAL INSURANCE COMPANY | $343 | $74 | $417 | 4.43% |
| WITTING & MILLER INC3 Filed as: WITTING & MILLER, INC. | PO BOX 311508 NEW BRAUNFELS, TX 78131 | DENTICARE, INC. | $2 | — | $2 | 12.50% |
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 | 115 | 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) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN OF TEXAS, INC. | 112 | $754K |
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 105 | $35K |
| Vision | HUMANADENTAL INSURANCE COMPANY | 96 | $9K |
| Life insurance | HUMANA INSURANCE COMPANY | 105 | $35K |
| Other(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 105 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 112 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.