| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CATTO & CATTO BENEFITS GROUP LLP3 Filed as: CATTO & CATTO BENEFIT GROUP LLP | — | BLUE CROSS BLUE SHIELD OF TEXAS | $62K | — | $62K | 3.98% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS INC | ONE ALAMO CENTER 106 S. ST MARY ST SUITE 800 SAN ANTONIO, TX 78205 | GUARDIAN | $19K | $11K | $30K | 7.89% |
| CAPACITY BENEFITS AND FINANCIAL3 Filed as: CAPACITY BENEFITS AND FINANCIAL GRP | ONE BLUE HILL PLAZA PEARL RIVER, NY 10965 | GUARDIAN | $1K | — | $1K | 0.28% |
| CATTO & CATTO BENEFITS GROUP LLP3 | 106 S SAINT MARYS ST STE 800 SAN ANTONIO, TX 78205 | VISION SERVICE PLAN | $3K | — | $3K | 11.39% |
| CAPACITY BENEFITS & FINANCIAL SERV3 Filed as: CAPACITY BENEFITS FINANCIAL SERV. | 1 BLUE HILL PLAZA STE 1689 PEARL RIVER, NY 109653151 | VISION SERVICE PLAN | -$18 | — | -$18 | -0.08% |
| SEE ATTACHED3 Filed as: SEE ATTACHED COMMISSION LIST | — | AFLAC | $810 | — | $810 | 38.03% |
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 | 295 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 307 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 356 | $1.6M |
| Dental | GUARDIAN | 293 | $377K |
| Vision | VISION SERVICE PLAN | 93 | $23K |
| Life insurance | GUARDIAN | 293 | $377K |
| Short-term disability | GUARDIAN | 293 | $377K |
| Long-term disability | GUARDIAN | 293 | $377K |
| Other(2 contracts, 2 carriers) | GUARDIAN | 293 | $379K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 356 | — |
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.