| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CATTO & CATTO BENEFITS GROUP LLP3 Filed as: CATTO & CATTO BENEFITS GROUP LLC | 106 SOUTH SAINT MARYS STREET SUITE 800 SAN ANTONIO, TX 78205 | UNITEDHEALTHCARE INSURANCE COMPANY | $18K | $59K | $76K | 1.22% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS INC. | 106 S SAINT MARYS ST STE 800 SAN ANTONIO, TX 782053603 | UNITEDHEALTHCARE INSURANCE COMPANY | $18K | $29K | $46K | 0.74% |
| CATTO & CATTO BENEFITS GROUP LLP3 Filed as: CATTO & CATTO BENEFITS GROUP LLP 10 | 106 S SAINT MARYS ST STE 800 SAN ANTONIO, TX 782053603 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $100 | $100 | 0.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES,LLC | PO BOX 123042 DALLAS, TX 753120001 | UNITEDHEALTHCARE INSURANCE COMPANY | -$7K | — | -$7K | -0.11% |
| CATTO & CATTO BENEFITS GROUP LLP3 Filed as: CATTO & CATTO BENEFITS GROUP LLC | 106 SOUTH SAINT MARYS STREET SUITE 800, 1 ALAMO CENTER SAN ANTONIO, TX 782053603 | METROPOLITAN LIFE INSURANCE COMPANY | $51K | — | $51K | 14.55% |
| BSC AGENCY LLC3 | 1025 ASHWORTH ROAD, SUITE 101 WEST DES MOINES, IA 502653542 | METROPOLITAN LIFE INSURANCE COMPANY | — | $11K | $11K | 3.16% |
| CATTO & CATTO BENEFITS GROUP LLP3 | 106 S SAINT MARYS ST SUITE 800, 1 ALAMO CENTER SAN ANTONIO, TX 782053603 | METROPOLITAN LIFE INSURANCE COMPANY | $21K | — | $21K | 20.01% |
| BSC AGENCY LLC3 | 1025 ASHWORTH RD STE 101 WEST DES MOINES, IA 502653542 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 3.26% |
| CATTO & CATTO BENEFITS GROUP LLP3 | 106 S SAINT MARYS ST SUITE 800, 1 ALAMO CENTER SAN ANTONIO, TX 782053603 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | — | $14K | 19.88% |
| BSC AGENCY LLC3 | 1025 ASHWORTH RD STE 101 WEST DES MOINES, IA 502653542 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 3.24% |
| CATTO & CATTO BENEFITS GROUP LLP3 Filed as: CATTO & CATTO BENEFITS GROUP LLC | 106 SOUTH SAINT MARYS STREET SUITE 800, 1 ALAMO CENTER SAN ANTONIO, TX 782053603 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | — | $8K | 19.80% |
| BSC AGENCY LLC3 | 1025 ASHWORTH RD STE 101 WEST DES MOINES, IA 502653542 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 3.22% |
| CATTO & CATTO BENEFITS GROUP LLP3 Filed as: CATTO & CATTO BENEFITS GROUP LLC | 106 SOUTH SAINT MARYS STREET SUITE 800 SAN ANTONIO, CO 78205 | METLIFE LEGAL PLANS, INC. | $1K | — | $1K | 10.14% |
| BUSINESSOLVER.COM, INC.3 | 1025 ASHWORTH ROAD WEST DES MOINES, IA 50265 | METLIFE LEGAL PLANS, INC. | — | $204 | $204 | 1.84% |
| CATTO & CATTO BENEFITS GROUP LLP3 | 106 S SAINT MARYS ST STE 800 SAN ANTONIO, TX 78205 | MEDICAL AIR SERVICES ASSOCIATION, INC. | $2K | — | $2K | 20.00% |
| MASA AGENT3 | 1250 S. PINE ISLAND ROAD, SUITE 500 PLANTATION, FL 33324 | MEDICAL AIR SERVICES ASSOCIATION, INC. | $2K | — | $2K | 15.94% |
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 | 1,012 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,016 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,234 | $6.2M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 1,234 | $6.2M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,234 | $6.2M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,357 | $347K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,357 | $347K |
| Other(6 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,357 | $584K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,357 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.