| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CATTO & CATTO BENEFITS GROUP LLP3 | 106 SOUTH SAINT MARYS STREET SUITE 800, ONE ALAMO CENTER SAN ANTONIO, TX 78205 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $72K | $74K | 4.71% |
| CATTO & CATTO BENEFITS GROUP LLP3 Filed as: CATTO & CATTO BENEFITS GROUP | 106 SOUTH SAINT MARY'S STREET SUITE 800 1 ALAMO CENTER SAN ANTONIO, TX 78205 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $4K | $16K | 15.92% |
| ASSUREX3 Filed as: ASSUREX AGENCY INC | 175 SOUTH 3RD STREET SUITE 800 COLUMBUS, OH 43215 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 1.38% |
| CATTO & CATTO BENEFITS GROUP LLP3 | 106 SOUTH SAINT MARYS STREET SUITE 800, ONE ALAMO CENTER SAN ANTONIO, TX 78205 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 9.32% |
| CHRISTOPHER G BOYER3 | 4203 GARDENDALE STREET SUITE 250C SAN ANTONIO, TX 78229 | AFLAC | $3K | $558 | $4K | 10.55% |
| CATTO & CATTO BENEFITS GROUP LLP3 Filed as: CATTO AND CATTO BENEFITS GROUP LLP | 106 SOUTH SAINT MARY'S STREET #800 SUITE 100 SAN ANTONIO, TX 78205 | AFLAC | $1K | — | $1K | 2.88% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES ROBERT BLAKEY | 13823 CROWN BLF SAN ANTONIO, TX 78216 | AFLAC | $630 | — | $630 | 1.69% |
| BRENT FORD3 Filed as: BRENT A FORD | 11503 JONES MALTSBERGER ROAD SUITE 1154 SAN ANTONIO, TX 78216 | AFLAC | $285 | $100 | $385 | 1.03% |
| BRENT FORD3 Filed as: BRENT A FORD | 40 NORTHEAST LOOP 410 SUITE 408 SAN ANTONIO, TX 78216 | AFLAC | $377 | — | $377 | 1.01% |
| GREGORY J WEEKS3 | 1259 LOOP 337 2ND FLOOR NEW BRAUNFELS, TX 78130 | AFLAC | $217 | $100 | $317 | 0.85% |
| TANYA HALLORAN3 | 373 COUNTY ROAD 119 FLORESVILLE, TX 78114 | AFLAC | $139 | $41 | $180 | 0.48% |
| KENT A TOWNSEND3 | 9318 CHISHOLM TRAIL TYLER, TX 75703 | AFLAC | $70 | — | $70 | 0.19% |
| JAMES CHRISTOPHER TODD3 Filed as: JAMES A HASSIG | 3818 HOBSON STREET LONGVIEW, TX 75605 | AFLAC | $46 | $11 | $57 | 0.15% |
| INSURANCE & BONDS AGENCY OF TEXAS3 | 10101 REUNION PLACE SUITE 100 SAN ANTONIO, TX 78216 | AFLAC | $54 | — | $54 | 0.14% |
| JOHN C RAUP3 | 5010 LAKELAND CIRCLE SUITE C WACO, TX 78710 | AFLAC | $39 | — | $39 | 0.10% |
| SETH A CANALICHIO3 | 18315 BRACKEN DRIVE UNIT 1 GARDEN RIDGE, TX 78266 | AFLAC | $37 | — | $37 | 0.10% |
| JOHN C RAUP3 | 7215 BOSQUE BOULEVARD SUITE 106 WACO, TX 76710 | AFLAC | $32 | — | $32 | 0.09% |
| JERRY PHILIP NOVY3 | 4338 SUN GATE STREET SAN ANTONIO, TX 78217 | AFLAC | $31 | — | $31 | 0.08% |
| CHRISTOPHER DAVID CHRISTAL3 | PO BOX 12104 SAN ANTONIO, TX 78212 | AFLAC | $29 | — | $29 | 0.08% |
| BARBARA BAROS3 | 5301 GOSHEN COURT CORPUS CHRISTI, TX 78413 | AFLAC | $25 | — | $25 | 0.07% |
| MICHAEL L CARLISLE3 | 511 NORTH HEWITT DRIVE HEWITT, TX 76643 | AFLAC | $20 | — | $20 | 0.05% |
| MITCHELL J MCCALL3 | 1620 WILLINGTON APARTMENT 1101 BEAUMONT, TX 77706 | AFLAC | $13 | — | $13 | 0.03% |
| RONALD T DAMRAU3 | 4704 CIRCLE OAK COVE AUSTIN, TX 78749 | AFLAC | $12 | — | $12 | 0.03% |
| GARY J IRVIN3 | 8801 WESLEY STREET SUITE D GREENVILLE, TX 75402 | AFLAC | $9 | $2 | $11 | 0.03% |
| IBI BENEFITS INC3 | 5726 HAUSMAN ROAD SUITE 100 SAN ANTONIO, TX 78249 | AFLAC | $9 | — | $9 | 0.02% |
| SCOTT G GOFF3 | 1125 JUDSON ROAD SUITE 195 LONGVIEW, TX 75601 | AFLAC | $7 | $2 | $9 | 0.02% |
| GARY WAYNE WILLINGHAM3 | 8116 STATE ROAD 66 ZOLFO SPRINGS, FL 33890 | AFLAC | $7 | — | $7 | 0.02% |
| ERIC NOTHNAGEL3 | 15916 ECHO HILLS DRIVE AUSTIN, TX 78717 | AFLAC | $7 | — | $7 | 0.02% |
| RICHARD L JONES JR3 | 20502 BLUE TRINITY SAN ANTONIO, TX 78259 | AFLAC | $7 | — | $7 | 0.02% |
| ROBERT D SEIBERT3 | PO BOX 1329 SHINER, TX 77984 | AFLAC | $6 | — | $6 | 0.02% |
| PHILIP R CANALICHIO3 | 18315 BRACKEN DRIVE UNIT 1 GARDEN RIDGE, TX 78266 | AFLAC | $5 | — | $5 | 0.01% |
| THOMAS G MONTGOMERY3 | PO BOX 231 CROWLEY, TX 76036 | AFLAC | $5 | — | $5 | 0.01% |
| MICHEAL SHANE KIRKLAND3 | 105 ABBEY ROAD BULLARD, TX 75757 | AFLAC | $3 | $2 | $5 | 0.01% |
| ERIC NOTHNAGEL3 | 3800 JUNIPER HILLS STREET CEDAR PARK, TX 78613 | AFLAC | $4 | — | $4 | 0.01% |
| MICHAEL SHANE KIRKLAND3 | 327 SOUTH WALNUT STREET FLORENCE, AL 35630 | AFLAC | $3 | — | $3 | 0.01% |
| CHRISTOPHER G BOYER3 | 9614 ANTOINE FOREST DRIVE SAN ANTONIO, TX 78254 | AFLAC | $1 | — | $1 | 0.00% |
| FRANK D LAFEMINA3 | 165 SOUTH GUADALUPE STREET SUITE 120 SAN MARCOS, TX 78666 | AFLAC | $1 | — | $1 | 0.00% |
| PHILLIP GOODRUM3 Filed as: PHILLIP ALLAN PAGE | 8870 SOUTH 500 EAST HUNTSVILLE, UT 84317 | AFLAC | $1 | — | $1 | 0.00% |
| CATTO & CATTO BENEFITS GROUP LLP3 | 106 SOUTH SAINT MARYS STREET SUITE 800 SAN ANTONIO, TX 78205 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 9.28% |
| CHRISTOPHER G BOYER3 | 4203 GARDENDALE STREET SUITE 250C SAN ANTONIO, TX 78229 | AFLAC | $793 | $35 | $828 | — |
| BRENT FORD3 Filed as: BRENT A FORD | 40 NORTHEAST LOOP 410 SUITE 408 SAN ANTONIO, TX 78216 | AFLAC | $104 | $6 | $110 | — |
| CATTO & CATTO BENEFITS GROUP LLP3 Filed as: CATTO AND CATTO BENEFITS GROUP LLP | 106 SOUTH SAINT MARY'S STREET #800 SUITE 100 SAN ANTONIO, TX 78205 | AFLAC | $105 | — | $105 | — |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES ROBERT BLAKEY | 13823 CROWN BLUFF SAN ANTONIO, TX 78216 | AFLAC | $99 | — | $99 | — |
| GREGORY J WEEKS3 | 1259 LOOP 337 NORTH 2ND FLOOR NEW BRAUNFELS, TX 78130 | AFLAC | $62 | $6 | $68 | — |
| INSURANCE & BONDS AGENCY OF TEXAS3 | 10101 REUNION PLACE SUITE 100 SAN ANTONIO, TX 78216 | AFLAC | $62 | — | $62 | — |
| BRENT FORD3 Filed as: BRENT A FORD | 11503 JONES MALTSBERGER ROAD SUITE 1154 SAN ANTONIO, TX 78216 | AFLAC | $61 | — | $61 | — |
| SETH A CANALICHIO3 | 18315 BRACKEN DRIVE UINT 1 GARDEN RIDGE, TX 78266 | AFLAC | $61 | — | $61 | — |
| BARBARA BAROS3 | 5301 GOSHEN COURT CORPUS CHRISTI, TX 78413 | AFLAC | $20 | — | $20 | — |
| RICHARD L JONES JR3 | 20502 BLUE TRINITY SAN ANTONIO, TX 78259 | AFLAC | $16 | — | $16 | — |
| CHRISTOPHER DAVID CHRISTAL3 | PO BOX 12104 SAN ANTONIO, TX 78212 | AFLAC | $6 | — | $6 | — |
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 | 1,135 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 226 | $1.6M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 141 | $53K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 132 | $15K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,135 | $100K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,135 | $100K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,135 | $100K |
| Other(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,135 | $137K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,135 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.