| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NANCY H. HUGHES3 Filed as: NANCY H HUGHES | PO BOX 91182 ALBUQUERQUE, NC 87199 | AFLAC | $824 | $68 | $892 | 6.50% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: DWIGHT A. BROWN | 837 CAMINO VISTAS ENCANTADA SANTA FE, NM 87507 | AFLAC | $389 | $47 | $436 | 3.18% |
| WILLIAM A. HUGHES3 | PO BOX 91182 ALBUQUERQUE, NM 87199 | AFLAC | $174 | — | $174 | 1.27% |
| TODD E SHENBERGER3 | 3620 WYOMING BLVD NE SUITE 102G ALBUQUERQUE, NM 87111 | AFLAC | $122 | $14 | $136 | 0.99% |
| RAMOS & CO FINANCIAL SERVICES LLC3 Filed as: RAMOS & CO. FINANCIAL SERVICES LLC | 4404 EILERS AVENUE APT. B AUSTIN, TX 78751 | AFLAC | $110 | $9 | $119 | 0.87% |
| MARY JO SANTILLANES3 | 13440 PANORAMO LOOP NE ALBUQUERQUE, NM 87123 | AFLAC | $98 | — | $98 | 0.71% |
| MICHAEL KAUFMAN3 | 3818 LOS ALTOS AVENUE NE RIO RANCHO, NM 87124 | AFLAC | $84 | $9 | $93 | 0.68% |
| PHILLIP MIRANDA3 | 6116 SWEETWATER DRIVE NW ALBUQUERQUE, NM 87120 | AFLAC | $74 | — | $74 | 0.54% |
| EZEQUIEL BUCCI TORRES3 | 3712 CHELWOOD DRIVE NE ALBUQUERQUE, NM 87111 | AFLAC | $56 | — | $56 | 0.41% |
| LUIS CARLOS SANDOVAL3 Filed as: LUIS C. SANDOVAL JR. | 3141 AMARILLO STREET EL PASO, TX 79936 | AFLAC | $49 | — | $49 | 0.36% |
| JEREMY CONGO3 | 12101 SIGNAL AVENUE NE ALBUQUERQUE, NM 87122 | AFLAC | $33 | $14 | $47 | 0.34% |
| ALLEN WESLEY WELLS3 | PO BOX 770 MOUNTAINAIR, NM 87036 | AFLAC | $26 | $2 | $28 | 0.20% |
| ERIC J LEGER3 Filed as: ERIC J. LEGER | 623 E 7TH 1/2 STREET HOUSTON, TX 77007 | AFLAC | $21 | $6 | $27 | 0.20% |
| JOSH MURILLO3 | 5959 GATEWAY BLVD. W. SUITE 620 EL PASO, TX 79925 | AFLAC | $23 | — | $23 | 0.17% |
| H PATRICK BRUMLEY3 Filed as: H. PATRICK BRUMLEY | 4 GLENDALE COURT TROPHY CLUB, TX 76262 | AFLAC | $21 | — | $21 | 0.15% |
| TIMOTHY D ALLEN3 Filed as: TIMOTHY D. ALLEN | 2920 CARLISLE BLVD. NE SUITE C ALBUQUERQUE, NM 87110 | AFLAC | $14 | — | $14 | 0.10% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA, INC. | PO BOX 730054 DALLAS, TX 753730054 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS COMPANY | $54 | — | $54 | 5.15% |
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 | 109 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 62 | $450K |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 0 | $0 |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 89 | $7K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 109 | $5K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4 | $2K |
| Prescription drug(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 62 | $450K |
| Other(2 contracts, 2 carriers) | AFLAC | 109 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 109 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.