| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | — | BLUECROSS BLUESHIELD OF TEXAS | $127K | $8K | $135K | 2.31% |
| CATTO & CATTO BENEFITS GROUP LLP3 | — | BLUECROSS BLUESHIELD OF TEXAS | — | $27K | $27K | 0.47% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | $49K | $107 | $50K | 12.43% |
| CATTO & CATTO BENEFITS GROUP LLP3 Filed as: CATTO & CATTO BENEFITS GROUP LLC | 106 SOUTH SAINT MARY'S STREET SUITE 800 1 ALAMO CENTER SAN ANTONIO, TX 78205 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 1.20% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 95287 CHICAGO, IL 60690 | METROPOLITAN LIFE INSURANCE COMPANY | — | $5K | $5K | 1.13% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 95287 CHICAGO, IL 60694 | METROPOLITAN LIFE INSURANCE COMPANY | — | $40 | $40 | 0.01% |
| CATTO & CATTO BENEFITS GROUP LLP3 Filed as: CATTO & CATTO BENEFITS GRP | 106 SOUTH SAINT MARYS STREET SUITE 800 1 ALAMO CENTER SAN ANTONIO, TX 78205 | METROPOLITAN LIFE INSURANCE COMPANY | — | $20 | $20 | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVCES INC | 9442 CAPITAL OF TX HIGHWAY NORTH # 950 AUSTIN, TX 78759 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $46K | — | $46K | 14.11% |
| CATTO & CATTO BENEFITS GROUP LLP3 | 106 SOUTH SAINT MARY'S STREET SUITE 800 SAN ANTONIO, TX 78205 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 0.89% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 9442 CAPITAL OF TX HIGHWAY NORTH #950 AUSTIN, TX 78759 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $28K | — | $28K | 9.37% |
| CATTO & CATTO BENEFITS GROUP LLP3 | 106 SOUTH SAINT MARY'S STREET SUITE 800 SAN ANTONIO, TX 78205 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 0.63% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 9442 CAPITAL OF TX HIGHWAY NORTH #950 AUSTIN, TX 78759 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $29K | — | $29K | 13.96% |
| CATTO & CATTO BENEFITS GROUP LLP3 | 106 SOUTH SAINT MARY'S STREET SUITE 800 SAN ANTONIO, TX 78205 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 1.04% |
| SHEILA D CARMON4 | 1911 EAGLE MIDWAY SAN ANTONIO, TX 78248 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $3K | — | $3K | 12.30% |
| GALLAGHER BENEFIT SERVICES, INC.4 Filed as: GALLAGHER BENEFIT SERVICES INC | 9442 NORTH CAPITAL OF TEXAS HIGHWAY SUITE 1-950 AUSTIN, TX 78759 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $400 | — | $400 | 1.61% |
| AARON C KREPS4 | 1830 NORTH PINECREST CANYON ROAD SALT LAKE CITY, UT 84108 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $64 | — | $64 | 0.26% |
| KACY LAVENDER4 | 307 SPRING CREEK MOODY, TX 76557 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $27 | — | $27 | 0.11% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GALLAGHER BENEFIT SERVICES INC BROKER | Insurance agents and brokers Service code 22 | 1076 HIGHLAND COLONY PARKWAY SUITE 300 RIDGELAND, MS 39157 | $6K |
| HUB INTERNATIONAL TEXAS INC BROKER | Insurance agents and brokers Service code 22 | 106 SOUTH ST MARYS STREET SUITE 800 SAN ANTONIO, TX 78205 | $422 |
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 | 622 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 15 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 639 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 780 | $5.9M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,124 | $399K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,124 | $399K |
| Short-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 402 | $530K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 667 | $300K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,124 | $424K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,124 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.