| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS INC. | ONE ALAMO CENTER 106 S ST MARY, SUITE 800 SAN ANTONIO, TX 78205 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $23K | $7K | $30K | 5.90% |
| CATTO & CATTO BENEFITS GROUP LLP3 | ONE ALAMO CENTER 106 ST MARY'S STREET, SUITE 800 SAN ANTONIO, TX 78205 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $8K | $8K | 6.67% |
| CATTO & CATTO BENEFITS GROUP LLP5 | ONE ALAMO CENTER 106 ST MARY'S STREET, SUITE 800 SAN ANTONIO, TX 78205 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 2.44% |
| CATTO & CATTO BENEFITS GROUP LLP3 | ONE ALAMO CENTER 106 ST MARY'S STREET, SUITE 800 SAN ANTONIO, TX 78205 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $7K | $7K | 7.29% |
| CATTO & CATTO BENEFITS GROUP LLP5 | ONE ALAMO CENTER 106 ST MARY'S STREET, SUITE 800 SAN ANTONIO, TX 78205 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 3.07% |
| CATTO & CATTO BENEFITS GROUP LLP3 | ONE ALAMO CENTER 106 ST MARY'S STREET, SUITE 800 SAN ANTONIO, TX 78205 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $6K | $6K | 7.22% |
| CATTO & CATTO BENEFITS GROUP LLP5 | ONE ALAMO CENTER 106 ST MARY'S STREET, SUITE 800 SAN ANTONIO, TX 78205 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 3.61% |
| CATTO & CATTO BENEFITS GROUP LLP5 | ONE ALAMO CENTER 106 ST MARY'S STREET, SUITE 800 SAN ANTONIO, TX 78205 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 7.09% |
| CATTO & CATTO BENEFITS GROUP LLP3 | ONE ALAMO CENTER 106 ST MARY'S STREET, SUITE 800 SAN ANTONIO, TX 78205 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 6.80% |
| CATTO & CATTO BENEFITS GROUP LLP3 Filed as: CATTO AND CATTO | ONE ALAMO CENTER 106 ST MARY'S STREET, SUITE 800 SAN ANTONIO, TX 78205 | MEDICAL AIR SERVICES ASSOCIATION, INC. | $5K | — | $5K | 14.14% |
| MASA AGENT3 | — | MEDICAL AIR SERVICES ASSOCIATION, INC. | $3K | — | $3K | 7.50% |
| ASSUREX3 Filed as: ASSUREX GLOBAL | — | MEDICAL AIR SERVICES ASSOCIATION, INC. | $594 | — | $594 | 1.75% |
| JAMIE A CONTRERAS-VESTAL3 Filed as: JAMIE LEBRON | — | MEDICAL AIR SERVICES ASSOCIATION, INC. | $13 | — | $13 | 0.04% |
| RUEBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | STARR INDEMNITY & LIABILITY COMPANY | — | $2K | $2K | 15.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | ONE ALAMO CENTER 106 ST MARY'S STREET, SUITE 800 SAN ANTONIO, TX 78205 | STARR INDEMNITY & LIABILITY COMPANY | $2K | — | $2K | 15.00% |
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 | 512 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 514 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH CARE SERVICE CORPORATION | 868 | $4.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 497 | $507K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 497 | $507K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 512 | $154K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 243 | $77K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 142 | $91K |
| Other(5 contracts, 4 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 512 | $707K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 868 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.