| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CATTO & CATTO BENEFITS GROUP LLP3 | 106 S SAINT MARYS ST STE 800 SAN ANTONIO, TX 78205 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $215 | $215 | 0.18% |
| AMERICAN LIFE & CASUALTY3 Filed as: AMERICAN LIFE AND CASUALTY MARKETIN | 11825 PENNSLYVANIA AVE CARMEL, IN 46032 | CONSECO | $268 | $0 | $268 | 3.62% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER VOLUNTARY BENEFITS LLC | 1850 LOCKHILL SELMA SUITE 101 SAN ANTONIO, TX 78213 | CONSECO | $155 | $0 | $155 | 2.09% |
| CHARLES M. DAVIS3 | 13007 PRINCE FOREST CT SAN ANTONIO, TX 78230 | CONSECO | $133 | $0 | $133 | 1.79% |
| HOME OFFICE-COMMISSION BUYOUT3 | 11825 PENNSLYVANIA AVE CARMEL, IN 46032 | CONSECO | $73 | $0 | $73 | 0.98% |
| MICHAEL S DAVID3 Filed as: MICHAEL S . DAVID | 5006 ABERDEEN PKWY AMARILLO, TX 79119 | CONSECO | $69 | $0 | $69 | 0.93% |
| PMA3 | 11825 PENNSLYVANIA AVE CARMEL, IN 46032 | CONSECO | $69 | $0 | $69 | 0.93% |
| JAMES M. ANDERSON3 Filed as: JAMES M ANDERSON | 1238 CHINKAPIN PL FLOWER MOUND, TX 75028 | CONSECO | $60 | $0 | $60 | 0.81% |
| PMA3 | 11825 PENNSLYVANIA AVE CARMEL, IN 46032 | CONSECO | $57 | $0 | $57 | 0.77% |
| INSURANCE RECEIVABLES 6. LLC.3 Filed as: INSURANCE RECEIVABLES 6 LLC | 8888 KEYSTONE CROSSING STE 1700 INDIANAPOIS, IN 46240 | CONSECO | $45 | $0 | $45 | 0.61% |
| CHARLES M. DAVIS3 | 13007 PRINCE FOREST CT SAN ANTONIO, TX 78205 | CONSECO | $43 | $0 | $43 | 0.58% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER VOLUNTARY BENEFITS LLC | 1850 LOCKHILL SELMA SUITE 101 SAN ANTONIO, TX 78213 | CONSECO | $30 | $0 | $30 | 0.40% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: RICHARD S LEE | 555 BAYVIEW DRIVE BELLEAIR, FL 33756 | CONSECO | $16 | $0 | $16 | 0.22% |
| PMA3 | 11825 PENNSLYVANIA AVE CARMEL, IN 46032 | CONSECO | $13 | $0 | $13 | 0.18% |
| PMA3 | 11825 PENNSLYVANIA AVE CARMEL, IN 46032 | CONSECO | $9 | $0 | $9 | 0.12% |
| JAMES PERRY ZANDER3 Filed as: JAMES M. HOBBS | 4525 COLE AVENUE APT 1116 DALLAS, TX 75205 | CONSECO | $1 | $0 | $1 | 0.01% |
| PMA3 | 11825 PENNSLYVANIA AVE CARMEL, IN 46032 | CONSECO | $1 | $0 | $1 | 0.01% |
| PAUL GRIFFIN3 | 12025 HUNTERS LAKE DR NEW PORT RICHEY, FL 34654 | CONSECO | $1 | $0 | $1 | 0.01% |
| ANDREI RADIVOYEVITCH3 | 1812 WHISPER BLUFF TRAIL HINCKLEY, OH 44233 | CONSECO | $1 | $0 | $1 | 0.01% |
| LINDA TEETS3 | 5905 LOST OAKS DRIVE CARMEL, IN 46033 | CONSECO | $1 | $0 | $1 | 0.01% |
| CATTO & CATTO BENEFITS GROUP LLP3 | 106 S SAINT MARYS ST STE 800 SAN ANTONIO, TX 78205 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $403 | $0 | $403 | 17.54% |
| SHARON K CAREW3 | 2907 ELK RIVER TRAIL BULVERDE, TX 78163 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $85 | $0 | $85 | 3.70% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER VOLUNTARY BENEFITS LLC | PO BOX 71542 CHICAGO, IL 60694 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $54 | $0 | $54 | 2.35% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $27 | $0 | $27 | 1.18% |
| SHARON ANN COBB3 | PO BOX 842 PFLUGERVILLE, TX 78691 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5 | $0 | $5 | 0.22% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER VOLUNTARY BENEFITS LLC | PO BOX 71542 CHICAGO, IL 60694 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5 | $0 | $5 | 0.22% |
| CORPORATE PLAN ADMNS INC3 | 307 RIDGE BLUFF SAN ANTONIO, TX 78213 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| CATTO & CATTO BENEFITS GROUP LLP3 | 106 S SAINT MARYS ST STE 800 SAN ANTONIO, TX 78205 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $108 | $0 | $108 | 5.78% |
| SHARON K CAREW3 | 2907 ELK RIVER TRAIL BULVERDE, TX 78163 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $65 | $0 | $65 | 3.48% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER VOLUNTARY BENEFITS LLC | PO BOX 71542 CHICAGO, IL 60694 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $61 | $0 | $61 | 3.27% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $30 | $0 | $30 | 1.61% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER VOLUNTARY BENEFITS LLC | PO BOX 71542 CHICAGO, IL 60694 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5 | $0 | $5 | 0.27% |
| CORPORATE PLAN ADMNS INC3 | 307 RIDGE BLUFF SAN ANTONIO, TX 78216 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | $0 | $1 | 0.05% |
| SHARON K CAREW3 | 2907 ELK RIVER TRAIL BULVERDE, TX 78163 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $66 | $0 | $66 | 5.73% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER VOLUNTARY BENEFITS LLC | PO BOX 71542 CHICAGO, IL 60694 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $46 | $0 | $46 | 4.00% |
| CATTO & CATTO BENEFITS GROUP LLP3 | 106 S SAINT MARYS ST STE 800 SAN ANTONIO, TX 78205 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $40 | $0 | $40 | 3.48% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $22 | $0 | $22 | 1.91% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER VOLUNTARY BENEFITS LLC | PO BOX 71542 CHICAGO, IL 60694 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5 | $0 | $5 | 0.43% |
| SHARON ANN COBB3 | PO BOX 842 PFLUGERVILLE, TX 78691 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | $0 | $3 | 0.26% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GROUP & PENSION ADMINISTRATORS, INC EIN 75-1617587 BENEFIT ADMINISTRATOR | Claims processing; Other services; Plan Administrator Service code 12 | — | $253K |
| CATTO & CATTO BENEFITS, LLP EIN 74-2765358 BROKER | Insurance agents and brokers Service code 22 | — | $85K |
| GUNN GP, LLC EIN 74-3013501 OWNED BY PLAN SPONSOR | Other fees Service code 99 | — | $74K |
| CLARK HILL STRASBURGER, LLC NONE | Legal; Direct payment from the plan Service code 29 | 2301 BROADWAY STREET SAN ANTONIO, TX 78215 | $15K |
| DIXON HUGHES GOODMAN, LLP EIN 56-0747981 ACCOUNTANT | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $8K |
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 | 544 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 547 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 492 | $259K |
| Vision | THE GUARDIAN LIFE INSURANCE CO OF AMERICA | 667 | $39K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 739 | $186K |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 739 | $115K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 158 | $40K |
| Stop-loss / reinsurancereinsurance | GERBER LIFE INSURANCE COMPANY | 547 | $900K |
| Other(6 contracts, 4 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 739 | $199K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 739 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.