| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CATTO & CATTO BENEFITS GROUP LLP3 | — | BLUE CROSS BLUE SHIELD OF TEXAS | $45K | — | $45K | 4.28% |
| ADP INC3 Filed as: AUTOMATIC DATA PROCESSING INSURANCE | — | BLUE CROSS BLUE SHIELD OF TEXAS | $4K | — | $4K | 0.40% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS INC | ONE ALAMO CENTER 106 SOUTH SAINT MARYS STREET SUITE 800 SAN ANTONIO, TX 78205 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $3K | $8K | 15.62% |
| CATTO & CATTO BENEFITS GROUP LLP3 | 106 SOUTH SAINT MARYS STREET SUITE 800 ONE ALAMO CENTER SAN ANTONIO, TX 78205 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $2K | $8K | 24.79% |
| CATTO & CATTO BENEFITS GROUP LLP3 | 106 SOUTH SAINT MARYS STREET SUITE 800 ONE ALAMO CENTER SAN ANTONIO, TX 78205 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $6K | 24.68% |
| CATTO & CATTO BENEFITS GROUP LLP3 | 106 SOUTH SAINT MARYS STREET SUITE 800 SAN ANTONIO, TX 78205 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 11.97% |
| 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 | $345 | — | $345 | 1.72% |
| BRENT FORD3 | 20345 REGENCY RUN GARDEN RIDGE, TX 78266 | CONTINENTAL AMERICAN INSURANCE COMPANY | $323 | — | $323 | 1.61% |
| ROMAN CARRASCO3 | 11035 CONNEMARA COVE SAN ANTONIO, TX 78254 | CONTINENTAL AMERICAN INSURANCE COMPANY | $241 | — | $241 | 1.20% |
| RICHARD L JONES JR3 | 20502 BLUE TRINITY SAN ANTONIO, TX 78259 | CONTINENTAL AMERICAN INSURANCE COMPANY | $136 | — | $136 | 0.68% |
| GREGORY J WEEKS3 | 1259 LOOP 337 NORTH 2ND FLOOR NEW BRAUNFELS, TX 78130 | CONTINENTAL AMERICAN INSURANCE COMPANY | $38 | — | $38 | 0.19% |
| LARRY W MARONEY3 | 1230 MOUNTAIN BREEZE CANYON LAKE, TX 78133 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | — | $11 | 0.05% |
| JAMES ROB BLAKEY3 | 410 NORTHEAST LOOP 410 SUITE 408 SAN ANTONIO, TX 78216 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | — | $11 | 0.05% |
| CATTO & CATTO BENEFITS GROUP LLP3 | 106 SOUTH SAINT MARYS STREET SUITE 800 ONE ALAMO CENTER SAN ANTONIO, TX 78205 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $963 | $3K | 21.78% |
| CATTO & CATTO BENEFITS GROUP LLP3 | 106 SOUTH SAINT MARYS STREET SUITE 800 ONE ALAMO CENTER SAN ANTONIO, TX 78205 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $610 | $610 | 7.05% |
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 | 139 | 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) | 139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 124 | $1.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 111 | $52K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 111 | $52K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 139 | $46K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 93 | $23K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 139 | $9K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 139 | $66K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 139 | — |
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.