| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMCORP3 Filed as: AMCORP INSURANCE & FINANCIAL SVCS | 3519 PAESANOS PKWY, STE 106 SAN ANTONIO, TX 78231 | HUMANA INSURANCE COMPANY | $3K | — | $3K | 2.43% |
| CATTO & CATTO BENEFITS GROUP LLP3 Filed as: CATTO & CATTO BENEFITS GROUP | 106 S SAINT MARYS STREET SUITE 800 SAN ANTONIO, TX 782053603 | HUMANA INSURANCE COMPANY | $2K | — | $2K | 1.77% |
| CATTO & CATTO BENEFITS GROUP LLP3 Filed as: CATTO & CATTO BENEFITS GROUP | 106 S SAINT MARYS STREET SAN ANTONIO, TX 782053603 | UNION SECURITY INSURANCE COMPANY | $21K | — | $21K | 17.74% |
| AMCORP3 Filed as: AMCORP INS. & FINANCIAL SVCS | 3519 PAESANOS PKWY, STE 106 SAN ANTONIO, TX 78231 | UNION SECURITY INSURANCE COMPANY | $7K | $4K | $11K | 9.88% |
| CATTO & CATTO BENEFITS GROUP LLP3 Filed as: CATTO & CATTO BENEFITS GROUP | 106 S SAINT MARYS STREET SUITE 800 1 ALAMO CENTER SAN ANTONIO, TX 782053603 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $299 | $7K | 11.53% |
| AMCORP3 Filed as: AMCORP INSURANCE & FINANCIAL SVCS | 3519 PAESANOS PKWY, STE 106 SAN ANTONIO, TX 78231 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 6.53% |
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 | 258 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 261 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HUMANA INSURANCE COMPANY | 232 | $136K |
| Vision | HUMANA INSURANCE COMPANY | 232 | $136K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 510 | $61K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 76 | $116K |
| Other(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 510 | $177K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 510 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.