| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS, INC | PO BOX 1779 EL PASO, TX 79949 | UNITEDHEALTHCARE INSURANCE COMPANY | $419K | $0 | $419K | 4.17% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1411 OPUS PL STE 450 DOWNERS GROVE, IL 60515 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $25K | $25K | 0.25% |
| 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 | $66K | $12K | $77K | 11.81% |
| 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 | $52K | $0 | $52K | 21.83% |
| ROMAN CARRASCO3 | 1035 CONNEMARA COVE SAN ANTONIO, TN 78254 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | $0 | $6K | 2.37% |
| BRENT FORD3 | 20345 REGENCY RUN GRADEN RIDGE, TX 78266 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 1.97% |
| RICHARD L JONES JR3 | 20502 BLUE TRINITY SAN ANTONION, TX 78259 | CONTINENTAL AMERICAN INSURANCE COMPANY | $570 | $0 | $570 | 0.24% |
| JAMES ROB BLAKEY3 | 140 NE LOOP 410 STE 408 SAN ANTONIO, TX 78216 | CONTINENTAL AMERICAN INSURANCE COMPANY | $30 | $0 | $30 | 0.01% |
| STEVEN P OLIVARES3 | 106 S SAINT MARYS ST STE 800 SAN ANTONIO, TX 78205 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13 | $0 | $13 | 0.01% |
| LARRY W MARONEY3 | 1230 MOUNTAIN BREEZE CANYON LAKE, TX 78133 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | $0 | $4 | 0.00% |
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 | 1,564 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 82 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,650 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 2,805 | $10.1M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 2,805 | $10.1M |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,302 | $656K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,302 | $656K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,302 | $656K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,302 | $656K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,302 | $893K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,805 | — |
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.