| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | 3830 EAST LOHMAN AVENUE, SUITE 3 LAS CRUCES, NM 88011 | BLUECROSS BLUESHIELD OF NEW MEXICO | $28K | $3K | $31K | 4.47% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | 313 NORTH CANYON CARLSBAD, NM 88220 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 10.70% |
| KPW INC3 Filed as: KPW, INC. | 312 RAINBOW CIRCLE EL PASO, TX 79912 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $547 | $2K | $2K | 7.29% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | 600 CORPORATE POINTE, 4TH FLOOR CULVER CITY, CA 90230 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 6.33% |
| MJ INSURANCE3 Filed as: MERKI BENEFITS AND VARIOUS AGENTS | 326 VILLA CANTO STREET EL PASO, TX 79912 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $451 | $636 | $1K | 3.42% |
| ALMA SAPIEN3 | 1034 SAINT JOHNS DRIVE EL PASO, TX 79903 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $227 | $169 | $396 | 1.25% |
| DAMON DREW GRAHAM3 | 327 NORTH MAIN STREET ROSWELL, NM 88201 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $342 | $0 | $342 | 1.08% |
| G ZUBIA ENTERPRISES INC3 Filed as: G ZUBIA ENTERPRISES, INC. | 2417 MONTANA AVENUE EL PASO, TX 79903 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $281 | $0 | $281 | 0.88% |
| CECILIA MARTINEZ MACKAY3 | 9716 EASTRIDGE DRIVE EL PASO, TX 79925 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $250 | $1 | $251 | 0.79% |
| KPW INC3 Filed as: KPW, INC. | 312 RAINBOW CIRCLE EL PASO, TX 79912 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $320 | $1K | $1K | 8.72% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | 600 CORPORATE POINTE, 4TH FLOOR CULVER CITY, CA 90230 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 7.27% |
| KORINA ISELA BOTELLO3 Filed as: KORINA BOTELLO AND OTHER AGENTS | 7212 DESERT EAGLE DRIVE EL PASO, TX 79912 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $381 | $0 | $381 | 2.45% |
| MARRGARITA CANALES3 | 6201 EXCONDIDO DRIVE, SUITE 11A EL PASO, TX 79912 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $265 | $87 | $352 | 2.26% |
| MERKI BENEFITS ADMINISTRATION LLC3 Filed as: MERKI BENEFITS ADMINISTRATION, LLC | 326 VILLA CANTO STREET EL PASO, TX 79912 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $119 | $176 | $295 | 1.89% |
| ALMA SAPIEN3 | 1034 SAINT JOHNS DRIVE EL PASO, TX 79903 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $112 | $84 | $196 | 1.26% |
| CECILIA MARTINEZ MACKAY3 | 9716 EASTRIDGE DRIVE EL PASO, TX 79925 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $175 | $1 | $176 | 1.13% |
| KPW INC3 Filed as: KPW, INC. | 312 RAINBOW CIRCLE EL PASO, TX 79912 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $494 | $2K | $2K | 29.04% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | 600 CORPORATE POINTE, 4TH FLOOR CULVER CITY, CA 90230 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $548 | $0 | $548 | 7.60% |
| ANAYAH EILIS DORMAN3 Filed as: ANAYAH ELLIS DORMAN | 312 RAINBOW CIRCLE EL PASO, TX 79912 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $90 | $213 | $303 | 4.20% |
| ALMA SAPIEN3 | 1034 SAINT JOHNS DRIVE EL PASO, TX 79903 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $171 | $128 | $299 | 4.15% |
| MJ INSURANCE3 Filed as: MARIA PAMANES AND VARIOUS AGENTS | 5780 MIRA GRANDE DRIVE EL PASO, TX 79912 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $52 | $64 | $116 | 1.61% |
| DAMON DREW GRAHAM3 | 327 NORTH MAIN STREET ROSWELL, NM 88201 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $29 | $0 | $29 | 0.40% |
| MERKI BENEFITS ADMINISTRATION LLC3 Filed as: MERKI BENEFITS ADMINISTRATION, LLC | 326 VILLA CANTO STREET EL PASO, TX 79912 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $21 | $0 | $21 | 0.29% |
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 | 72 | 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) | 72 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF NEW MEXICO | 85 | $696K |
| Dental | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 168 | $40K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 168 | $40K |
| Life insurance(3 contracts) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 22 | $55K |
| Prescription drug | BLUECROSS BLUESHIELD OF NEW MEXICO | 85 | $696K |
| Other(3 contracts) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 22 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 168 | — |
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.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.