| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CATTO & CATTO BENEFITS GROUP LLP3 | — | BLUECROSS BLUESHIELD OF TEXAS | $76K | $1K | $78K | 5.02% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC | — | BLUECROSS BLUESHIELD OF TEXAS | $35K | $0 | $35K | 2.26% |
| CATTO & CATTO BENEFITS GROUP LLP3 Filed as: CATTO & CATTO BENEFITS GROUP | 106 S SAINT MARYS ST, STE 800 SAN ANTONIO, TX 78205 | PRINCIPAL LIFE INSURANCE COMPANY | $10K | $0 | $10K | 7.43% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | 500 W 13TH ST FORT WORTH, TX 76102 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 3.25% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL LIMITED | 150 N RIVERSIDE PLZ, STE 1700 CHICAGO, IL 60606 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $4K | $4K | 2.72% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS INC | 10000 N CENTRAL EXPY, STE 1200 DALLAS, TX 75231 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.47% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS INC | ONE ALAMO CENTER 106 S. ST MARY ST, STE 800 SAN ANTONIO, TX 78205 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $17K | $5K | $22K | 21.49% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | 1826 NORTH LOOP1604 W SUITE 375 SAN ANTONIO, TX 78248 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 2.62% |
| CATTO & CATTO BENEFITS GROUP LLP3 Filed as: CATTO AND CATTO | — | MEDICAL AIR SERVICES ASSOCIATION, INC. | $2K | $0 | $2K | 10.60% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS, INC | — | MEDICAL AIR SERVICES ASSOCIATION, INC. | $1K | $0 | $1K | 5.81% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | — | MEDICAL AIR SERVICES ASSOCIATION, INC. | $464 | $0 | $464 | 2.37% |
| ASSUREX GLOBAL CORPORATION3 Filed as: ASSUREX GLOBAL | — | MEDICAL AIR SERVICES ASSOCIATION, INC. | $395 | $0 | $395 | 2.02% |
| UNKNOWN3 | — | TELADOC HEALTH, INC. | $694 | $0 | $694 | 7.63% |
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 | 155 | 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) | 156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 264 | $1.6M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 280 | $133K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 280 | $133K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 280 | $133K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 154 | $102K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 154 | $102K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 154 | $122K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 280 | — |
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.