| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CATTO & CATTO BENEFITS GROUP LLP3 | 106 S SAINT MARY'S ST SUITE 800 SAN ANTONIO, TX 782053603 | BLUECROSS BLUESHIELD OF TEXAS | $39K | $0 | $39K | 6.06% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP, INC. | 5110 N 40TH STREET #234 PHOENIX, AZ 85018 | BLUECROSS BLUESHIELD OF TEXAS | $10K | $0 | $10K | 1.56% |
| INSURICA, INC.3 Filed as: INSURICA TX INSURANCE SERVICES, INC | 2400 N GLENVILLE DR STE B125 RICHARDSON, TX 75082 | BLUECROSS BLUESHIELD OF TEXAS | $0 | $2K | $2K | 0.26% |
| CATTO & CATTO BENEFITS GROUP LLP3 | 106 S SAINT MARY'S ST SUITE 800 SAN ANTONIO, TX 78205 | GUARDIAN | $10K | $634 | $11K | 14.98% |
| CATTO & CATTO BENEFITS GROUP LLP3 | 106 S SAINT MARYS ST STE 800 ONE ALAMO CENTER SAN ANTONIO, TX 782053603 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $6K | 20.72% |
| CATTO & CATTO BENEFITS GROUP LLP5 | 106 S SAINT MARYS ST STE 800 ONE ALAMO CENTER SAN ANTONIO, TX 782053603 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 7.21% |
| CATTO & CATTO BENEFITS GROUP LLP3 | 106 S SAINT MARYS ST STE 800 ONE ALAMO CENTER SAN ANTONIO, TX 782053603 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $900 | $5K | 21.85% |
| CATTO & CATTO BENEFITS GROUP LLP5 | 106 S SAINT MARYS ST STE 800 ONE ALAMO CENTER SAN ANTONIO, TX 782053603 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 4.28% |
| CATTO & CATTO BENEFITS GROUP LLP3 | 106 S SAINT MARYS ST STE 800 ONE ALAMO CENTER SAN ANTONIO, TX 782053603 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $503 | $3K | 18.68% |
| CATTO & CATTO BENEFITS GROUP LLP3 | 106 S SAINT MARYS ST STE 800 ONE ALAMO CENTER SAN ANTONIO, TX 782053603 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $449 | $325 | $774 | 8.61% |
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 | 175 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 181 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 130 | $649K |
| Dental | GUARDIAN | 98 | $74K |
| Vision | GUARDIAN | 98 | $74K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 175 | $41K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 49 | $23K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 35 | $9K |
| Other(4 contracts, 3 carriers) | GUARDIAN | 175 | $118K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 175 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.