| 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 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $115K | $115K | 2.17% |
| 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 | — | $79K | $79K | 1.48% |
| 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 | $35K | $1K | $36K | 13.19% |
| CATTO & CATTO BENEFITS GROUP LLP3 Filed as: CATTO & CATTO BENEFITS GROUP LLC | 106 SOUTH SAINT MARY'S STREET SUITE 800 SAN ANTONIO, TX 78205 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 1.01% |
| CATTO & CATTO BENEFITS GROUP LLP3 | 106 SOUTH SAINT MARY'S STREET SUITE 800 SAN ANTONIO, TX 78205 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $30K | — | $30K | 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 | $20K | — | $20K | 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 | $24K | — | $24K | 15.00% |
| SHEILA D CARMON4 | 1911 EAGLE MIDWAY SAN ANTONIO, TX 78248 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $4K | — | $4K | 18.28% |
| AARON C KREPS4 | 1155 NORTH PINECREST CANYON R SALT LAKE CITY, UT 84108 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $330 | — | $330 | 1.55% |
| KACY LAVENDER4 | 307 SPRING CREEK MOODY, TX 76557 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $25 | — | $25 | 0.12% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HUB INTERNATIONAL TEXAS INC BROKER | Insurance agents and brokers Service code 22 | 106 SOUTH ST MARYS STREET SUITE 800 SAN ANTONIO, TX 78205 | $6K |
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 | 478 | 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) | 478 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 490 | $5.3M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 456 | $28K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 851 | $277K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 851 | $277K |
| Short-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 289 | $366K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 482 | $200K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 909 | $317K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 909 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.