| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | UNKNOWN ARTESIA, NM 88210 | BLUECROSS BLUESHIELD OF NEW MEXICO | $28K | $975 | $29K | 4.34% |
| VIKTOR DAVID HEGEDUS3 | 100 PORFIRIO DIAZ STREET EL PASO, TX 79902 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $9K | $10K | 22.93% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | 600 CORPORATE POINTE, FLOOR 14 CULVER CITY, CA 90230 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $0 | $4K | 8.19% |
| KPW INC3 | 312 RAINBOW CIRCLE EL PASO, TX 79912 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $351 | $1K | $1K | 3.13% |
| ANAYAH EILIS DORMAN3 | 312 RAINBOW CIRCLE EL PASO, TX 79912 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $670 | $692 | $1K | 3.08% |
| ALMA SAPIEN3 | 1034 SAINT JOHNS DRIVE EL PASO, TX 79903 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $753 | $255 | $1K | 2.28% |
| CECILIA MARTINEZ MACKAY3 Filed as: CECILIA M. MACKAY AND OTHER AGENTS | 9716 EASTRIDGE DRIVE EL PASO, TX 79925 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $739 | $110 | $849 | 1.92% |
| MERKI BENEFITS ADMINISTRATION LLC3 | 326 VILLA CANTO STREET EL PASO, TX 79912 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $205 | $143 | $348 | 0.79% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | UNKNOWN ARTESIA, NM 88210 | NATIONWIDE LIFE INSURANCE COMPANY | $812 | $0 | $812 | 15.96% |
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 | 37 | 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) | 37 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF NEW MEXICO | 87 | $665K |
| Dental | BLUECROSS BLUESHIELD OF NEW MEXICO | 87 | $665K |
| Vision | NATIONWIDE LIFE INSURANCE COMPANY | 57 | $5K |
| Life insurance | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 37 | $44K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 37 | $44K |
| Prescription drug | BLUECROSS BLUESHIELD OF NEW MEXICO | 87 | $665K |
| Other | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 37 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 87 | — |
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.