| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AXCESS FINANCIAL GROUP3 Filed as: AXCESS FINANCIAL | 6605 UPTOWN SQUARE NE SUITE 280 ABQ, NM 87110 | UNITED HEALTHCARE SERVICES | $63K | — | $63K | 3.38% |
| AXCESS FINANCIAL GROUP3 Filed as: AXCESS FINANCIAL | 6605 UPTOWN SQUARE NE SUITE 280 ABQ, NM 87110 | PRINCIPAL LIFE INSURANCE COMPANY | $49K | $11K | $59K | 8.41% |
| PARAGON PARTNERS LTD3 | STE - C 103 9420 DOUBLETREE RANCH RD SCOTTSDALE, AZ 85858 | PRINCIPAL LIFE INSURANCE COMPANY | — | -$77 | -$77 | -0.01% |
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 | 274 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 274 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE SERVICES | 205 | $1.9M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 521 | $707K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 521 | $707K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 521 | $707K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 521 | $707K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 521 | $707K |
| Prescription drug | UNITED HEALTHCARE SERVICES | 205 | $1.9M |
| Stop-loss / reinsurancereinsurance | UNITED HEALTHCARE SERVICES | 205 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 521 | — |
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.