| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CATTO & CATTO BENEFITS GROUP LLP3 Filed as: CATTO & CATTO BENEFITS GROUP LLC | 106 S SAINT MARYS ST STE 800 1 ALAMO CENTER SAN ANTONIO, TX 782053603 | BLUECROSS BLUESHIELD OF TEXAS | $214K | — | $214K | 3.32% |
| TS GROUP LLC CATTO & CATTO BENEFITS3 Filed as: TS GROUP, LLC CATTO & CATTO BENEFIT | 106 S SAINT MARYS ST SUITE 800 SAN ANTONIO, TX 78205 | CONTINENTAL AMERICAN INSURANCE COMPANY | $71K | — | $71K | 19.15% |
| BRENT FORD3 | 20345 REGENCY RUN GARDEN RIDGE, TX 78266 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11K | — | $11K | 3.08% |
| ROMAN CARRASCO3 | 11035 CONNEMA RA COVE SAN ANTONIO, TX 78254 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10K | — | $10K | 2.76% |
| RICHARD JONES JR3 | 20502 BLUE TRINITY SAN ANTONIO, TX 78259 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 0.82% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS LLC | 2850 GOLF ROAD ROLLING MEADOWS, IL 600084005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $212 | — | $212 | 0.06% |
| ISTRATORS CORPORATE PLAN ADMIN3 | 307 RIDGE BLUFF SAN ANTONIO, TX 78216 | CONTINENTAL AMERICAN INSURANCE COMPANY | $36 | — | $36 | 0.01% |
| JAMES ROB BLAKEY3 Filed as: JAMES (ROB) BLAKEY | 410 NE LOOP 410 STE 408 SAN ANTONIO, TX 78216 | CONTINENTAL AMERICAN INSURANCE COMPANY | $33 | — | $33 | 0.01% |
| STEVEN P OLIVARES3 | 106 S SAINT MARYS ST STE 800 SAN ANTONIO, TX 78205 | CONTINENTAL AMERICAN INSURANCE COMPANY | $31 | — | $31 | 0.01% |
| CHRISTIAN M KRUEGER3 | 616 CYPRESS CREEK PARKWAY HOUSTON, TX 77090 | CONTINENTAL AMERICAN INSURANCE COMPANY | $25 | — | $25 | 0.01% |
| HEATHER F SEIBERT3 | 192 HUTTON KYLE, TX 78640 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.00% |
| ABEL I SOLTERO3 | 12906 AQUA VALLEY HELOTES, TX 78023 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| LAURIE D BLAKEY3 | 14234 SAVANNA H PASS SAN ANTONIO, TX 78217 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| GREGORY J WEEKS3 | 1259 LOOP 337 NORTH 2ND FLOOR NEW BRAUNFELS, TX 78130 | CONTINENTAL AMERICAN INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| BILLY KEITH3 Filed as: BILLY D KEITH | 1700 N 49TH STREET MCALLEN, TX 78501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| ANDREW M GARCIA3 | 906 CARMEL PARKWAY CORPUS CHRISTI, TX 78411 | CONTINENTAL AMERICAN INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| CATTO & CATTO BENEFITS GROUP LLP3 Filed as: CATTO & CATTO BENEFITS GROUP LLC | 106 S SAINT MARYS ST STE 800 1 ALAMO CENTER SAN ANTONIO, TX 782053603 | METROPOLITAN LIFE INSURANCE COMPANY | $21K | $0 | $21K | 12.58% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS INC FT WORT | 601 N MESA STE 1550 EL PASO, TX 79901 | DEARBORN LIFE INSURANCE COMPANY | $8K | — | $8K | 10.00% |
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 | 1,880 | 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) | 1,888 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 1,477 | $6.4M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 1,477 | $6.4M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 867 | $84K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 2,285 | $167K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 600 | $370K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 1,477 | $6.4M |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 2,285 | $537K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,285 | — |
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.
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.