| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CATTO & CATTO BENEFITS GROUP LLP3 | 106 S ST MARYS ST STE 800 SAN ANTONIO, TX 78205 | HEALTH CARE SERVICE CORPORATION | — | $12 | $12 | 0.00% |
| CATTO & CATTO BENEFITS GROUP LLP5 | 106 S ST MARYS ST STE 800 SAN ANTONIO, TX 78205 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 3.06% |
| CATTO & CATTO BENEFITS GROUP LLP5 | 106 S ST MARYS ST STE 800 SAN ANTONIO, TX 78205 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 3.28% |
| CATTO & CATTO BENEFITS GROUP LLP5 | 106 S ST MARYS ST STE 800 SAN ANTONIO, TX 78205 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 4.69% |
| CATTO & CATTO BENEFITS GROUP LLP5 | 106 S ST MARYS ST STE 800 SAN ANTONIO, TX 78205 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 25.37% |
| SHIRLEY A BAZAY3 | 2941 MOSSROCK SUITE 205 SAN ANTONIO, TX 78230 | CONTINENTAL AMERICAN INSURANCE COMPANY | $62 | — | $62 | 6.10% |
| INS AND BONDS AGENCY OF TX LLC3 Filed as: INS & BONDS AGENCY OF TEXAS, PLLC | 5726 HAUSMAN RD STE 100 SAN ANTONIO, TX 78249 | CONTINENTAL AMERICAN INSURANCE COMPANY | $51 | — | $51 | 5.01% |
| LARRY W MARONEY3 | 1230 MOUNTAIN BREEZE CANYON LAKE, TX 78133 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16 | — | $16 | 1.57% |
| ALLISON W COHEN DE PAOLI3 | K250 LOVERA BLVD SAN ANTONIO, TX 78212 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | — | $7 | 0.69% |
| GREGORY J WEEKS3 | 1259 LOOP 337 NORTH 2ND FLOOR NEW BRAUNFELS, TX 78130 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.59% |
| RICHARD L PALOS3 | 373 BRUSH TRAIL BEND CIBOLO, TX 78108 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.39% |
| JAY T REX3 | 3710 CANEY CREEK RD AUSTIN, TX 78732 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.20% |
| ROBERT D SEIBERT3 Filed as: ROBERT SEIBERT | 192 HUTTON KYLE, TX 78640 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.20% |
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 | 406 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 411 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICE CORPORATION | 632 | $2.6M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 389 | $225K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 389 | $225K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 397 | $84K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 185 | $52K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 161 | $80K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 397 | $85K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 632 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.