| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CATTO & CATTO BENEFITS GROUP LLP9 | 106 S SAINT MARYS ST STE 800 SAN ANTONIO, TX 78205 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 1.53% |
| GPA3 | 12770 MERIT DRIVE DALLAS, TX 75251 | TOKIO MARINE HCC | $7K | $2K | $10K | 12.97% |
| CATTO & CATTO BENEFITS GROUP LLP3 | 106 S SAINT MARYS ST STE 800 SAN ANTONIO, TX 78205 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $10 | $5K | 54.09% |
| CATTO & CATTO BENEFITS GROUP LLP3 | 106 S SAINT MARYS ST STE 800 SAN ANTONIO, TX 78205 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $10 | $5K | 52.89% |
| CATTO & CATTO BENEFITS GROUP LLP4 | 106 S SAINT MARYS ST STE 800 SAN ANTONIO, TX 78205 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $10 | $4K | 55.43% |
| AMERICAN LIFE & CASUALTY3 Filed as: AMERICAN LIFE AND CASUALTY MARKETIN | 11825 PENNSLYVANIA AVE CARMEL, IN 46032 | CONSECO | $233 | — | $233 | 3.55% |
| CHARLES M. DAVIS3 | 13007 PRINCE FOREST CT SAN ANTONIO, TX 78230 | CONSECO | $113 | — | $113 | 1.72% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER VOLUNTARY BENEFITS LLC | 1850 LOCKHILL SELMA SUITE 101 SAN ANTONIO, TX 78213 | CONSECO | $107 | — | $107 | 1.63% |
| HOME OFFICE-COMMISSION BUYOUT3 | 11825 PENNSLYVANIA AVE CARMEL, IN 46032 | CONSECO | $70 | — | $70 | 1.07% |
| PMA3 | 11825 PENNSLYVANIA AVE CARMEL, IN 46032 | CONSECO | $59 | — | $59 | 0.90% |
| JAMES M. ANDERSON3 Filed as: JAMES M ANDERSON | 1238 CHINKAPIN PL FLOWER MOUND, TX 75028 | CONSECO | $57 | — | $57 | 0.87% |
| INSURANCE RECEIVABLES 6. LLC.3 Filed as: INSURANCE RECEIVABLES 6 LLC | 8888 KEYSTONE CROSSING STE 1700 INDIANAPOIS, IN 46240 | CONSECO | $42 | — | $42 | 0.64% |
| CHARLES M. DAVIS3 | 13007 PRINCE FOREST CT SAN ANTONIO, TX 78205 | CONSECO | $32 | — | $32 | 0.49% |
| PMA3 | 11825 PENNSLYVANIA AVE CARMEL, IN 46032 | CONSECO | $30 | — | $30 | 0.46% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER VOLUNTARY BENEFITS LLC | 1850 LOCKHILL SELMA SUITE 101 SAN ANTONIO, TX 78213 | CONSECO | $20 | — | $20 | 0.30% |
| PMA3 | 11825 PENNSLYVANIA AVE CARMEL, IN 46032 | CONSECO | $12 | — | $12 | 0.18% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: RICHARD S LEE | 555 BAYVIEW DRIVE BELLEAIR, FL 33756 | CONSECO | $9 | — | $9 | 0.14% |
| MICHAEL S DAVID3 Filed as: MICHAEL S . DAVID | 5006 ABERDEEN PKWY AMARILLO, TX 79119 | CONSECO | $8 | — | $8 | 0.12% |
| PMA3 | 11825 PENNSLYVANIA AVE CARMEL, IN 46032 | CONSECO | $8 | — | $8 | 0.12% |
| JAMES PERRY ZANDER3 Filed as: JAMES M. HOBBS | 4525 COLE AVENUE APT 1116 DALLAS, TX 75205 | CONSECO | $1 | — | $1 | 0.02% |
| PMA3 | 11825 PENNSLYVANIA AVE CARMEL, IN 46032 | CONSECO | $1 | — | $1 | 0.02% |
| PAUL GRIFFIN3 | 12025 HUNTERS LAKE DR NEW PORT RICHEY, FL 34654 | CONSECO | $1 | — | $1 | 0.02% |
| ANDREI RADIVOYEVITCH3 | 1812 WHISPER BLUFF TRAIL HINCKLEY, OH 44233 | CONSECO | $1 | — | $1 | 0.02% |
| LINDA TEETS3 | 5905 LOST OAKS DRIVE CARMEL, IN 46033 | CONSECO | $1 | — | $1 | 0.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GROUP & PENSION ADMINISTRATORS, INC EIN 75-1617587 BENEFIT ADMINISTRATOR | Other services; Claims processing; Plan Administrator Service code 12 | — | $233K |
| GUNN GP, LLC EIN 74-3013501 OWNED BY PLAN SPONSOR | Other fees Service code 99 | — | $90K |
| CATTO & CATTO BENEFITS, LLP EIN 74-2765358 BROKER | Insurance agents and brokers Service code 22 | — | $85K |
| DIXON HUGHES GOODMAN, LLP EIN 56-0747981 ACCOUNTANT | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $16K |
| CLARK HILL STRASBURGER, LLC NONE | Legal; Direct payment from the plan Service code 29 | 2301 BROADWAY STREET SAN ANTONIO, TX 78215 | $10K |
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 | 451 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 459 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 76 | $27K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 937 | $488K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 937 | $488K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 937 | $488K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 937 | $488K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 937 | $488K |
| Stop-loss / reinsurancereinsurance | GERBER LIFE INSURANCE COMPANY | 448 | $737K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 937 | $568K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 937 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.