| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CATTO & CATTO BENEFITS GROUP LLP3 | 106 ST. MARY'S STREET STE 800 SAN ANTONIO, TN 78205 | BLUE CROSS BLUE SHIELD OF TEXAS | $46K | — | $46K | 5.56% |
| CATTO & CATTO BENEFITS GROUP LLP3 | 106 S SAINT MARY'S ST STE 800 SAN ANTONIO, TX 78205 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $8K | $1K | $9K | 17.19% |
| CATTO & CATTO BENEFITS GROUP LLP3 | 106 ST. MARY'S STREET STE 800 SAN ANTONIO, TX 78205 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 10.39% |
| CATTO & CATTO BENEFITS GROUP LLP3 Filed as: CATTO AND CATTO BENEFITS GROUP LLP | 106 S. SAINT MARYS ST. SUITE 800 SAN ANTONIO, TX 78205 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 34.17% |
| RICHARD L JONES JR3 | 20502 BLUE TRINITY SAN ANTONIO, TX 78259 | CONTINENTAL AMERICAN INSURANCE COMPANY | $201 | — | $201 | 3.21% |
| BRENT FORD3 | 20345 REGENCY RUN GARDEN RIDGE, TX 78266 | CONTINENTAL AMERICAN INSURANCE COMPANY | $150 | — | $150 | 2.40% |
| CLINTON ANDERSON3 | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $24 | — | $24 | 0.38% |
| CHRISTIAN M KRUEGER3 | 531 BEVERLY LN NEW BRAUNFELS, TX 78130 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21 | — | $21 | 0.34% |
| JAMES ROB BLAKEY3 | 13823 CROWN BLUFF SAN ANTONIO, TX 78216 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.03% |
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 | 191 | 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) | 191 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 157 | $822K |
| Dental | BLUE CROSS BLUE SHIELD OF TEXAS | 157 | $822K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 222 | $13K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 191 | $51K |
| Short-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 191 | $51K |
| Other(2 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 191 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 222 | — |
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.
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.