| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CATTO & CATTO BENEFITS GROUP LLP3 | 106 SOUTH SAINT MARYS STREET SUITE 800 SAN ANTONIO, TX 78205 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | $38K | $42K | 5.54% |
| CATTO & CATTO BENEFITS GROUP LLP3 Filed as: CATTO & CATTO BENEFITS | 106 SOUTH SAINT MARYS STREET SUITE 800 SAN ANTONIO, TX 78205 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 15.00% |
| CATTO & CATTO BENEFITS GROUP LLP3 Filed as: CATTO & CATTO BENEFITS | 106 SOUTH SAINT MARYS STREET SUITE 800 SAN ANTONIO, TX 78205 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 15.00% |
| CATTO & CATTO BENEFITS GROUP LLP3 | 106 SOUTH SAINT MARYS STREET SUITE 800 SAN ANTONIO, TX 78205 | CONTINENTAL AMERICAN INSURANCE COMPANY | $703 | — | $703 | 6.43% |
| CATTO & CATTO BENEFITS GROUP LLP3 Filed as: CATTO AND CATTO BENEFITS GROUP LLP | 106 SOUTH SAINT MARYS STREET SUITE 800 SAN ANTONIO, TX 78205 | CONTINENTAL AMERICAN INSURANCE COMPANY | $559 | — | $559 | 5.11% |
| GREGORY J WEEKS3 | 1259 LOOP 337 NORTH 2ND FLOOR NEW BRAUNFELS, TX 78130 | CONTINENTAL AMERICAN INSURANCE COMPANY | $64 | — | $64 | 0.58% |
| BRENT FORD3 | 20345 REGENCY RUN GARDEN RIDGE, TN 78266 | CONTINENTAL AMERICAN INSURANCE COMPANY | $39 | — | $39 | 0.36% |
| RICHARD JONES JR3 | 20502 BLUE TRINITY SAN ANTONIO, TX 78259 | CONTINENTAL AMERICAN INSURANCE COMPANY | $39 | — | $39 | 0.36% |
| LARRY W MARONEY3 | 1230 MOUNTAIN BREEZE CANYON LAKE, TX 78133 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15 | — | $15 | 0.14% |
| JAMES ROB BLAKEY3 Filed as: JAMES (ROB) BLAKEY | 13823 CROWN BLUFF SAN ANTIONIO, TX 78216 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15 | — | $15 | 0.14% |
| CATTO & CATTO BENEFITS GROUP LLP3 | 106 SOUTH ST MARYS STREET SUITE 800 SAN ANTONIO, TX 78205 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 15.32% |
| CATTO & CATTO BENEFITS GROUP LLP3 Filed as: CATTO & CATTO BENEFITS | 106 SOUTH SAINT MARYS STREET SUITE 800 SAN ANTONIO, TX 78205 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $952 | — | $952 | 15.01% |
| CATTO & CATTO BENEFITS GROUP LLP3 Filed as: CATTO & CATTO BENEFITS | 106 SOUTH SAINT MARYS STREET SUITE 800 SAN ANTONIO, TX 78205 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $434 | — | $434 | 15.01% |
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 | 117 | 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) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 187 | $762K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 187 | $762K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 187 | $762K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 109 | $34K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 72 | $15K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 109 | $6K |
| Other(4 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 109 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 187 | — |
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.