| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CATTO & CATTO BENEFITS GROUP LLP3 | 106 S SAINT MARYS ST, STE 800 ONE ALAMO CENTER SAN ANTONIO, TX 782053603 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $234K | $234K | 5.03% |
| CATTO & CATTO BENEFITS GROUP LLP3 Filed as: CATTO AND CATTO BENEFITS GROUP LLP | 217 EAST HOUSTON STREET SUITE 100 SAN ANTONIO, TX 78205 | CONTINENTAL AMERICAN INSURANCE COMPANY | $56K | — | $56K | 20.90% |
| LAURIE D BLAKEY3 | 13823 CROWN BLUFF SAN ANTONIO, TX 78217 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11K | — | $11K | 4.14% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER VOLUNTARY BENEFITS LLC | 1850 LOCKHILL SELMA SUITE 101 SAN ANTONIO, TX 78213 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | — | $7K | 2.44% |
| RICHARD JONES JR3 | 20502 BLUE TRINITY SAN ANTONIO, TX 78259 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | — | $6K | 2.39% |
| STEVEN P OLIVARES3 | 12606 SKYLINE MESA SAN ANTONIO, TX 78253 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | — | $6K | 2.21% |
| BRENT FORD3 | 20345 REGENCY RUN GARDEN RIDGE, TX 78266 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 2.03% |
| GREGORY J WEEKS3 | 1259 LOOP 337 NORTH 2ND FLOOR NEW BRAUNFELS, TX 78130 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.48% |
| JAMES BOB BLAKEY3 | 13823 CROWN BLUFF SAN ANTONIO, TX 78216 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.42% |
| BILLY KEITH3 Filed as: BILLY D KEITH | 4900 N 23RD MCALLEN, TX 78501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $997 | — | $997 | 0.37% |
| ANDREW M GARCIA3 | 906 CARMEL PARKWAY CORPUS CHRISTI, TX 78411 | CONTINENTAL AMERICAN INSURANCE COMPANY | $997 | — | $997 | 0.37% |
| ABEL I SOLTERO3 | 12906 AQUA VALLEY HELOTES, TX 78023 | CONTINENTAL AMERICAN INSURANCE COMPANY | $635 | — | $635 | 0.24% |
| CORPORATE PLAN ADMINISTRATORS3 | 307 RIDGE BLUFF SAN ANTONIO, TX 78216 | CONTINENTAL AMERICAN INSURANCE COMPANY | $519 | — | $519 | 0.20% |
| CHRISTIAN M KRUEGER3 | 531 BEVERLY LN NEW BRAUNFELS, TX 78130 | CONTINENTAL AMERICAN INSURANCE COMPANY | $291 | — | $291 | 0.11% |
| HEATHER F SEIBERT3 | 192 HUTTON KYLE, TX 78640 | CONTINENTAL AMERICAN INSURANCE COMPANY | $212 | — | $212 | 0.08% |
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 | 600 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 608 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,112 | $4.9M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 602 | $4.7M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 602 | $4.7M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 2,207 | $110K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 1,112 | $266K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 602 | $4.7M |
| Other(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 2,207 | $5.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,207 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.