| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CATTO & CATTO BENEFITS GROUP LLP3 | 106 S SAINT MARYS ST STE 800 SAN ANTONIO, TX 782053603 | UNITEDHEALTHCARE INSURANCE COMPANY | $56K | $4K | $60K | 5.38% |
| CATTO & CATTO BENEFITS GROUP LLP3 Filed as: CATTO & CATTO BENEFITS GROUP, LLP | 106 S SAINT MARYS ST STE 800 SAN ANTONIO, TX 78205 | SUN LIFE ASSURANCE COMPANY OF CANADA | $23K | — | $23K | 15.06% |
| INSURICA, INC.3 | 5100 N CLASSEN BLVD SUITE 300 OKLAHOMA CITY, OK 731185263 | BLUECROSS BLUESHIELD OF OKLAHOMA | $8K | — | $8K | 5.39% |
| CHRISTIANSEN INSURANCE GROUP, INC.3 Filed as: CHRISTIANSEN INSURANCE | PO BOX 1192 SAN JUAN, PR 009221992 | HUMANA INSURANCE OF PUERTO RICO, INC. | $2K | — | $2K | 5.85% |
| INSURICA, INC.3 | 5100 N CLASSEN BLVD SUITE 300 OKLAHOMA CITY, OK 731185263 | VISION SERVICE PLAN | $90 | — | $90 | 6.96% |
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 | 205 | 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) | 205 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 243 | $1.3M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 243 | $1.1M |
| Vision(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 243 | $1.1M |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 217 | $153K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 217 | $153K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 217 | $153K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 217 | $153K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 243 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.