| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CATTO & CATTO BENEFITS GROUP LLP3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $167K | — | $167K | 4.98% |
| CATTO & CATTO BENEFITS GROUP LLP3 Filed as: CATTO & CATTO BENEFITS GROUP | 106 SOUTH SAINT MARY'S STREET SUITE 800 SAN ANTONIO, TX 78205 | METROPOLITAN LIFE INSURANCE COMPANY | $28K | $4K | $33K | 16.83% |
| CATTO & CATTO BENEFITS GROUP LLP3 | 106 SOUTH SAINT MARY'S STREET SUITE 800 SAN ANTONIO, TX 78205 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $20K | — | $20K | 15.00% |
| CATTO & CATTO BENEFITS GROUP LLP3 | 106 SOUTH SAINT MARY'S STREET SUITE 800 SAN ANTONIO, TX 78205 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | — | $13K | 10.00% |
| CATTO & CATTO BENEFITS GROUP LLP3 | 106 SOUTH SAINT MARY'S STREET SUITE 800 SAN ANTONIO, TX 78205 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $16K | — | $16K | 15.00% |
| CATTO & CATTO BENEFITS GROUP LLP3 | 106 SOUTH ST MARY'S STREET SUITE 800 SAN ANTONIO, TX 78205 | NGL | $3K | — | $3K | 10.00% |
| CATTO & CATTO BENEFITS GROUP LLP3 Filed as: CATTO & CATTO BENEFITS GROUP | 5373 TRUXTUN AVENUE VENTURA, CA 93009 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $2K | $7K | 23.67% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GSA NATIONAL CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 4114 LEGATO ROAD SUITE 400 FAIRFAX, VA 22033 | $8K |
| SCHWABE WILLIAMSON & WYATT EIN 93-1130272 LEGAL | Legal Service code 29 | — | $930 |
| DELUXE CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | P.O. BOX 742572 CINCINNATI, OH 45274 | $225 |
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 | 588 | 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) | 588 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 592 | $3.4M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 489 | $28K |
| Vision(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 602 | $3.6M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 602 | $194K |
| Short-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 246 | $240K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 397 | $127K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 655 | $206K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 655 | — |
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.