| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE), INC | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | UNITEDHEALTHCARE INSURANCE COMPANY | $396K | $0 | $396K | 3.48% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS, INC | PO BOX 1779 EL PASO, TX 79949 | UNITEDHEALTHCARE INSURANCE COMPANY | $84K | $0 | $84K | 0.73% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS, INC | 106 S. SAINT MARYS ST. STE 8 SAN ANTONIO, TX 782053603 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $26K | $33K | $59K | 10.50% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $33K | $0 | $33K | 6.00% |
| HM BENEFITS LLC3 | 935 GRAVIER ST STE 1640 NEW ORLEANS, LA 70112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $36K | $0 | $36K | 14.75% |
| CATTO & CATTO BENEFITS GROUP LLP3 Filed as: CATTO & CATTO BENEFITS GROUP, LLC | 106 S SAINT MARYS ST STE 800 SAN ANTONIO, TX 78205 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15K | $0 | $15K | 5.98% |
| ROMAN CARRASCO3 | 1035 CONNEMARA COVE SAN ANTONIO, TN 78254 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8K | $0 | $8K | 3.20% |
| BRENT FORD3 | 20345 REGENCY RUN GRADEN RIDGE, TX 78266 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | $0 | $6K | 2.49% |
| RICHARD L JONES JR3 | 20502 BLUE TRINITY SAN ANTONION, TX 78259 | CONTINENTAL AMERICAN INSURANCE COMPANY | $279 | $0 | $279 | 0.11% |
| JAMES ROB BLAKEY3 | 140 NE LOOP 410 STE 408 SAN ANTONIO, TX 78216 | CONTINENTAL AMERICAN INSURANCE COMPANY | $19 | $0 | $19 | 0.01% |
| STEVEN P OLIVARES3 | 12919 BOUVARDIA SAN ANTONIO, TX 78253 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | $0 | $12 | 0.00% |
| LARRY W MARONEY3 | 1230 MOUNTAIN BREEZE CANYON LAKE, TX 78133 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | $0 | $2 | 0.00% |
| PATRICK J NEWSOM3 Filed as: PATRICK JESS NEWSOM | 104 ARAPAHOE DR. LAFAYETTE, LA 70503 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP COORPORATE SERVICES SE LLC | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $13K | $0 | $13K | 11.65% |
| CATTO & CATTO BENEFITS GROUP LLP3 Filed as: CATTO & CATTO BENEFITS GROUP, LLC | ONE ALAMO CENTER 106 S ST MARYS ST, STE 800 SAN ANTONIO, TX 78205 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $965 | $0 | $965 | 0.85% |
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 | 1,421 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 610 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,034 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,991 | $11.4M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 1,991 | $11.4M |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,338 | $558K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,338 | $558K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,338 | $558K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,338 | $558K |
| Other(4 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,338 | $947K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,991 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.