| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CATTO & CATTO BENEFITS GROUP LLP3 | 106 SOUTH SAINT MARY'S STREET SUITE 800 SAN ANTONIO, TX 78205 | BLUECROSS BLUESHIELD OF TEXAS | $57K | — | $57K | 5.28% |
| CATTO & CATTO BENEFITS GROUP LLP3 | 106 SOUTH SAINT MARY'S STREET SUITE 800 SAN ANTONIO, TX 78205 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 15.04% |
| CARTER MAY3 | PO BOX 341015 AUSTIN, TX 78734 | AFLAC | $793 | $61 | $854 | 12.73% |
| SHELLY WIEGAND3 | 2607 ARMATRADING DRIVE CEDAR PARK, TX 78613 | AFLAC | $108 | $12 | $120 | 1.79% |
| CATTO & CATTO BENEFITS GROUP LLP3 Filed as: CATTO AND CATTO BENEFITS GROUP LLP | 106 SOUTH SAINT MARYS STREET SUITE 800 SAN ANTONIO, TX 78205 | AFLAC | $113 | — | $113 | 1.68% |
| JAIME I VILLASANA3 Filed as: JAIME VILLASANA | 1500 HIDDEN GLEN DRIVE ROUND ROCK, TX 78681 | AFLAC | $86 | $12 | $98 | 1.46% |
| LORENZO RIVERA3 | 3237 BRIARHURST STREET CORPUS CHRISTI, TX 78414 | AFLAC | $89 | — | $89 | 1.33% |
| JASON MARONEY3 | PO BOX 841 INGRAM, TX 78025 | AFLAC | $39 | — | $39 | 0.58% |
| JENNIFER LOWE3 | 502 MOONLIGHT CIRCLE NEW BRAUNFELS, TX 78132 | AFLAC | $31 | — | $31 | 0.46% |
| JUDY LAFEMINA3 | PO BOX 2129 FRISCO, TX 75034 | AFLAC | $28 | — | $28 | 0.42% |
| CHARLES MCCRANN3 | PO BOX 6971 CORPUS CHRISTI, TX 78466 | AFLAC | $26 | — | $26 | 0.39% |
| DARON H PHILLIPS3 Filed as: DARON PHILLIPS | 8690 FM 1979 MARTINDALE, TX 78655 | AFLAC | $25 | — | $25 | 0.37% |
| BARBARA BAROS3 | 5301 GOSHEN COURT CORPUS CHRISTI, TX 78413 | AFLAC | $16 | — | $16 | 0.24% |
| RICHARD L JONES JR3 Filed as: RICHARD JONES JR | 20502 BLUE TRINITY SAN ANTONIO, TX 78259 | AFLAC | $16 | — | $16 | 0.24% |
| BRENT FORD3 | 40 NORTHEAST LOOP 410 SUITE 408 SAN ANTONIO, TX 78216 | AFLAC | $14 | — | $14 | 0.21% |
| LARRY D DENNY3 Filed as: LARRY MARONEY | 1230 MOUNTAIN BREEZE CANYON LAKE, TX 78133 | AFLAC | $7 | — | $7 | 0.10% |
| MITZE L RUIZ3 Filed as: MITZE RUIZ | 19212 ROOKERY TRAIL PFLUGERVILLE, TX 78660 | AFLAC | $5 | — | $5 | 0.07% |
| GREGORY J WEEKS3 Filed as: GREGORY WEEKS | 1259 LOOP 337 2ND FLOOR NEW BRAUNFELS, TX 78130 | AFLAC | $2 | — | $2 | 0.03% |
| JAMES ROB BLAKEY3 Filed as: JAMES BLAKEY | 14234 SAVANNAH PASS SAN ANTONIO, TX 78216 | AFLAC | $2 | — | $2 | 0.03% |
| HEATHER F SEIBERT3 Filed as: HEATHER SEIBERT | 86 COUNTY ROAD 303 SHINER, TN 77984 | AFLAC | $2 | — | $2 | 0.03% |
| CATTO & CATTO BENEFITS GROUP LLP3 Filed as: CATTO & CATTO | 106 SOUTH ST MARY'S STREET SUITE 800 SAN ANTONIO, TX 78205 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $601 | — | $601 | 10.00% |
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 | 153 | 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) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 153 | $1.1M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 153 | $1.1M |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 46 | $6K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 105 | $8K |
| Other(2 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 105 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 153 | — |
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.
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.