| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CATTO & CATTO BENEFITS GROUP LLP3 | 106 SOUTH SAINT MARY'S STREET SUITE 800 SAN ANTONIO, TX 78205 | BLUECROSS BLUESHIELD OF TEXAS | $46K | — | $46K | 7.08% |
| CATTO & CATTO BENEFITS GROUP LLP3 | 106 SOUTH SAINT MARYS STREET SUITE 800 SAN ANTONIO, TX 78205 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | $3K | $9K | 16.14% |
| CATTO & CATTO BENEFITS GROUP LLP3 Filed as: CATTO & CATTO BENEFITS GROUP LL | 106 SOUTH SAINT MARYS STREET SUITE 800 SAN ANTONIO, TX 78205 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 12.50% |
| CATTO & CATTO BENEFITS GROUP LLP3 Filed as: CATTO & CATTO BENEFITS GROUP LLC | 106 SOUTH SAINT MARY'S STREET SUITE 800 SAN ANTONIO, TX 78205 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 26.33% |
| SELVIA R. CASTILLEJA3 Filed as: SELVIA R CASTILLEJA | 12119 CARSON COVE SAN ANTONIO, TX 78253 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $14 | — | $14 | 0.33% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER VOLUNTARY BENEFITS LLC | PO BOX 71542 CHICAGO, IL 60694 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.10% |
| CATTO & CATTO BENEFITS GROUP LLP3 Filed as: CATTO & CATTO BENEFITS GRP LLP | 106 SOUTH ST MARY'S STREET SUITE 800 SAN ANTONIO, TX 78205 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $805 | — | $805 | 19.32% |
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 | 91 | 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) | 91 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 130 | $668K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 89 | $58K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 89 | $58K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 89 | $58K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 89 | $58K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 89 | $58K |
| Other(3 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 89 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 130 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.