| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CATTO & CATTO BENEFITS GROUP LLP3 | 106 SOUTH ST MARYS STREET #800 SAN ANTONIO, TX 78205 | HUMANA HEALTH PLAN OF TEXAS, INC. | $40K | $990 | $41K | 2.64% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS INC | 106 SOUTH SAINT MARYS STREET #800 SAN ANTONIO, TX 78205 | HUMANA HEALTH PLAN OF TEXAS, INC. | $27K | — | $27K | 1.76% |
| CATTO & CATTO BENEFITS GROUP LLP3 | 106 SOUTH ST MARYS STREET #800 SAN ANTONIO, TX 78205 | HUMANA INSURANCE COMPANY | $4K | $800 | $5K | 4.56% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS INC | 106 SOUTH ST MARYS STREET #800 SAN ANTONIO, TX 78205 | HUMANA INSURANCE COMPANY | $1K | — | $1K | 1.05% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS INC | ONE ALAMO CENTER 106 SOUTH ST MARYS STREET SUITE 800 SAN ANTONIO, TX 78205 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $3K | $9K | 18.34% |
| CATTO & CATTO BENEFITS GROUP LLP3 Filed as: CATTO & CATTO BENEFIT | — | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $622 | — | $622 | 4.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEX | — | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $460 | — | $460 | 2.97% |
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 | 302 | 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) | 302 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN OF TEXAS, INC. | 203 | $1.6M |
| Dental | HUMANA INSURANCE COMPANY | 190 | $106K |
| Vision | HUMANA INSURANCE COMPANY | 190 | $106K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 292 | $64K |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 292 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 292 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.