| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CATTO & CATTO BENEFITS GROUP LLP3 | 106 S SAINT MARYS ST, STE 800 SAN ANTONIO, TX 78205 | UNITEDHEALTHCARE INSURANCE COMPANY | $47K | $181K | $228K | 3.71% |
| CATTO & CATTO BENEFITS GROUP LLP3 | 106 S SAINT MARYS ST, STE 800 SAN ANTONIO, TX 78205 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $6K | $6K | 0.10% |
| CATTO & CATTO BENEFITS GROUP LLP3 Filed as: CATTO AND CATTO BENEFITS GROUP LLP | 106 S SAINT MARYS ST SUITE 800 SAN ANTONIO, TX 78205 | CONTINENTAL AMERICAN INSURANCE COMPANY | $58K | — | $58K | 20.40% |
| RICHARD JONES JR3 | 20502 BLUE TRINITY SAN ANTONIO, TX 78259 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10K | — | $10K | 3.62% |
| BRENT FORD3 | 20345 REGENCY RUN GARDEN RIDGE, TX 78266 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | — | $9K | 3.09% |
| LAURIE D BLAKEY3 | 14234 SAVANNA H PASS SAN ANTONIO, TX 78217 | CONTINENTAL AMERICAN INSURANCE COMPANY | $406 | — | $406 | 0.14% |
| STEVEN P OLIVARES3 | 106 S SAINT MARYS ST STE 800 SAN ANTONIO, TX 78205 | CONTINENTAL AMERICAN INSURANCE COMPANY | $209 | — | $209 | 0.07% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER VOLUNTARY BENEFITS LLC | 1850 LOCKHILL SELMA SUITE 101 SAN ANTONIO, TX 78213 | CONTINENTAL AMERICAN INSURANCE COMPANY | $151 | — | $151 | 0.05% |
| GREGORY J WEEKS3 | 1259 LOOP 337 NORTH 2ND FLOOR NEW BRAUNFELS, TX 78130 | CONTINENTAL AMERICAN INSURANCE COMPANY | $43 | — | $43 | 0.02% |
| BILLY KEITH3 Filed as: BILLY D KEITH | 1700 N 49TH STREET MCALLEN, TX 78501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $26 | — | $26 | 0.01% |
| ANDREW M GARCIA3 | 906 CARMEL PARKWAY CORPUS CHRISTI, TX 78411 | CONTINENTAL AMERICAN INSURANCE COMPANY | $26 | — | $26 | 0.01% |
| CHRISTIAN M KRUEGER3 | 616 CYPRESS CREEK PARKWAY HOUSTON, TX 77090 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| HEATHER F SEIBERT3 | 192 HUTTON KYLE, TX 78640 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| CATTO & CATTO BENEFITS GROUP LLP3 Filed as: CATTO & CATTO BENEFITS GRP | 106 S SAINT MARYS ST STE 800 1 ALAMO CENTER SAN ANTONIO, TX 782053603 | METROPOLITAN LIFE INSURANCE COMPANY | $28K | $463 | $29K | 14.00% |
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 | 1,984 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,987 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,899 | $6.2M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 1,899 | $6.2M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,899 | $6.2M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 2,425 | $204K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 2,204 | $282K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 1,899 | $6.2M |
| Other(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 2,425 | $6.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,425 | — |
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.