| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CATTO & CATTO BENEFITS GROUP LLP3 Filed as: CATTO & CATTO | 106 S. SAINT MARYS SUITE 800 SAN ANTONIO, TX 78205 | SUN LIFE | — | $14K | $14K | 2.14% |
| GPA3 | 12770 MERIT DRIVE DALLAS, TX 75251 | TOKIO MARINE HCC | $7K | $2K | $9K | 13.29% |
| CATTO & CATTO BENEFITS GROUP LLP3 | 106 S SAINT MARYS ST STE 800 SAN ANTONIO, TX 78205 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 35.44% |
| CATTO & CATTO BENEFITS GROUP LLP3 | 106 S SAINT MARYS ST STE 800 SAN ANTONIO, TX 78205 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 35.15% |
| CATTO & CATTO BENEFITS GROUP LLP3 | 106 S SAINT MARYS ST STE 800 SAN ANTONIO, TX 78205 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 37.42% |
| AMERICAN LIFE & CASUALTY3 Filed as: AMERICAN LIFE AND CASUALTY MAR | 11825 PENNSYLVANIA ST CARMEL, IN 46032 | CONSECO | $222 | — | $222 | 4.03% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER VOLUNTARY BENEFITS L | 1850 LOCKHILL SELMA SUITE 101 SAN ANTONIO, TX 78213 | CONSECO | $104 | — | $104 | 1.89% |
| CHARLES M. DAVIS3 | 127 CALAIS WAY SHAVANO PARK, TX 78249 | CONSECO | $86 | — | $86 | 1.56% |
| HOME OFFICE-COMMISSION BUYOUT3 | 11825 PENNSYLVANIA ST CARMEL, IN 46032 | CONSECO | $74 | — | $74 | 1.34% |
| JAMES M. ANDERSON3 | 1238 CHINKAPIN PL FLOWER MOUND, TX 75028 | CONSECO | $59 | — | $59 | 1.07% |
| PERFORMANCE MATTERS ASSOCIATES3 | 11825 PENNSYLVANIA ST CARMEL, IN 46032 | CONSECO | $49 | — | $49 | 0.89% |
| PERFORMANCE MATTERS ASSOCIATES3 | 11825 PENNSYLVANIA ST CARMEL, IN 46032 | CONSECO | $46 | — | $46 | 0.83% |
| INSURANCE RECEIVABLES 6. LLC.3 | 8888 KEYSTONE CROSSING STE 1700 INDIANAPOLIS, IN 46240 | CONSECO | $44 | — | $44 | 0.80% |
| CHARLES M. DAVIS3 | 13007 PRINCE FOREST CT SAN ANTONIO, TX 78230 | CONSECO | $30 | — | $30 | 0.54% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER VOLUNTARY BENEFITS L | 1850 LOCKHILL SELMA SUITE 101 SAN ANTONIO, TX 78213 | CONSECO | $18 | — | $18 | 0.33% |
| MICHAEL S DAVID3 | 5006 ABERDEEN PKWY AMARILLO, TX 79119 | CONSECO | $9 | — | $9 | 0.16% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: RICHARD S LEE | 555 BAYVIEW DRIVE BELLEAIR, FL 33756 | CONSECO | $9 | — | $9 | 0.16% |
| JAMES PERRY ZANDER3 Filed as: JAMES M. HOBBS | 4141 SAN CARLOS ST DALLAS, TX 75205 | CONSECO | $1 | — | $1 | 0.02% |
| PERFORMANCE MATTERS ASSOCIATES3 | 11825 PENNSYLVANIA ST CARMEL, IN 46032 | CONSECO | $1 | — | $1 | 0.02% |
| PAUL GRIFFIN3 | 12025 HUNTERS LAKE DR NEW PRT RCHY, 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 | Claims processing; Plan Administrator; Other services Service code 12 | — | $190K |
| 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 | — | $75K |
| CLARK HILL STRASBURGER, LLC NONE | Legal; Direct payment from the plan Service code 29 | 2301 BROADWAY STREET SAN ANTONIO, TX 78215 | $16K |
| DIXON HUGHES GOODMAN, LLP EIN 56-0747981 ACCOUNTANT | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $15K |
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 | 572 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 572 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 86 | $33K |
| Stop-loss / reinsurancereinsurance | SUN LIFE | 542 | $636K |
| Other(2 contracts, 2 carriers) | TOKIO MARINE HCC | 475 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 542 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.