| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE INC | TWO PIERCE PLACE GALLAGHER CENTER ITASCA, IL 601435506 | BLUECROSS BLUESHIELD OF TEXAS | $21K | $390 | $21K | 3.79% |
| CATTO & CATTO BENEFITS GROUP LLP3 | 106 S ST MARYS ST #800 SAN ANTONIO, TX 782053603 | BLUECROSS BLUESHIELD OF TEXAS | $7K | — | $7K | 1.18% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE INC | TWO PIERCE PLACE GALLAGHER CENTER ITASCA, IL 601435506 | HUMANA INSURANCE COMPANY | $3K | $2K | $5K | 13.87% |
| CATTO & CATTO BENEFITS GROUP LLP3 | 106 S ST MARYS ST #800 SAN ANTONIO, TX 782053603 | HUMANA INSURANCE COMPANY | $864 | — | $864 | 2.44% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE INC | P. O. BOX 3009 ARLINGTON HEIGHTS, IL 60006 | HARTFORD LIFE AND ACCIDENT | $3K | $286 | $3K | 12.30% |
| CATTO & CATTO BENEFITS GROUP LLP3 | 106 S ST MARYS ST #800 SAN ANTONIO, TX 782053603 | HARTFORD LIFE AND ACCIDENT | $1K | — | $1K | 3.70% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4100 NEWPORT PLACE DRIVE SUITE 650 NEWPORT BEACH, CA 92660 | HARTFORD LIFE AND ACCIDENT | — | $143 | $143 | 0.50% |
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 | 252 | 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) | 252 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 84 | $553K |
| Dental | HUMANA INSURANCE COMPANY | 95 | $35K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 225 | $28K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 225 | $28K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 225 | $28K |
| Other | HARTFORD LIFE AND ACCIDENT | 225 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 225 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.