| 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 | $44K | $2K | $46K | 5.22% |
| CATTO & CATTO BENEFITS GROUP LLP3 | 106 ST. MARY'S STREET STE 800 SAN ANTONIO, TX 78205 | GUARDIAN LIFE INSURANCE COMPANY | $8K | — | $8K | 10.00% |
| CATTO & CATTO BENEFITS GROUP LLP3 | 106 S ST MARYS ST #800 SAN ANTONIO, TX 782053603 | DEARBORN LIFE INSURANCE COMPANY | $7K | — | $7K | 10.08% |
| 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 | $6K | — | $6K | 27.72% |
| RICHARD L JONES JR3 | 20502 BLUE TRINITY SAN ANTONIO, TX 78259 | CONTINENTAL AMERICAN INSURANCE COMPANY | $652 | — | $652 | 3.08% |
| BRENT FORD3 | 20345 REGENCY RUN GARDEN RIDGE, TX 78266 | CONTINENTAL AMERICAN INSURANCE COMPANY | $468 | — | $468 | 2.21% |
| CLINTON ANDERSON3 | 6465 S. GREENWOOD PLAZA BLVD. SUITE 750 CENTENNIAL, CO 80111 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.02% |
| CHRISTIAN M KRUEGER3 | 1011 MEREDITH DR. STE 4 AUSTIN, TX 78748 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.02% |
| ROMAN CARRASCO3 | 11035 CONNEMARA COVE SAN ANTONIO, TX 78254 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.02% |
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 | 207 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 208 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 155 | $883K |
| Dental(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF TEXAS | 155 | $964K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY | 148 | $82K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 204 | $70K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 204 | $70K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 204 | $70K |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 204 | $92K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 204 | — |
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.