| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES WEST | 200 EAST RANDOLPH STREET CHICAGO, IL 60601 | BLUECROSS BLUESHIELD OF NEW MEXICO | $62K | — | $62K | 5.32% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES WEST | PO BOX 19640 IRVINE, CA 926409640 | PRINCIPAL LIFE INSURANCE COMPANY | $12K | — | $12K | 10.49% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE ST. MORRIS, IL 604502215 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | $2K | $8K | 6.61% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | 897 12TH STREET HAMMONTON, NJ 08037 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11K | — | $11K | 11.48% |
| RONNIE DALE LEDBETTER JR3 | 209 N HARRISON AVE LORENZO, TX 793432501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $210 | — | $210 | 0.21% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE ST. MORRIS, IL 60450 | CONTINENTAL AMERICAN INSURANCE COMPANY | $136 | — | $136 | 0.14% |
| JASON BENEDICT SALITORE3 | 5518 102ND ST. LUBBOCK, TX 794246422 | CONTINENTAL AMERICAN INSURANCE COMPANY | $115 | — | $115 | 0.12% |
| MICHAEL W JOINER3 Filed as: MICHAEL WAYNE JOINER | 9106 HURON AVE. LUBBOCK, TX 794246422 | CONTINENTAL AMERICAN INSURANCE COMPANY | $88 | — | $88 | 0.09% |
| JOSHUA ISAIAH SALINAS3 | 123 HICKS PL LEVELLAND, TX 79336 | CONTINENTAL AMERICAN INSURANCE COMPANY | $74 | — | $74 | 0.08% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 1125 17TH STREET SUITE 900 DENVER, CO 80202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | — | $11 | 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 | 259 | 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) | 259 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF NEW MEXICO | 145 | $1.2M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 338 | $116K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 338 | $116K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 338 | $116K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 338 | $116K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 338 | $116K |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 88 | $98K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 338 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.