| 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 | $43K | — | $43K | 3.38% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | BLUECROSS BLUESHIELD OF NEW MEXICO | $22K | — | $22K | 1.73% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES WEST | PO BOX 19640 IRVINE, CA 926409640 | PRINCIPAL LIFE INSURANCE COMPANY | $12K | — | $12K | 10.73% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | 897 12TH STREET HAMMONTON, NJ 08037 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 10.97% |
| RONNIE DALE LEDBETTER JR3 | 209 N HARRISON AVE LORENZO, TX 793432501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $815 | — | $815 | 2.52% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | CONTINENTAL AMERICAN INSURANCE COMPANY | $683 | — | $683 | 2.11% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE ST. MORRIS, IL 60450 | CONTINENTAL AMERICAN INSURANCE COMPANY | $516 | — | $516 | 1.59% |
| MICHAEL W JOINER3 Filed as: MICHAEL WAYNE JOINER | 9106 HURON AVE. LUBBOCK, TX 794246422 | CONTINENTAL AMERICAN INSURANCE COMPANY | $157 | — | $157 | 0.49% |
| PAUL N ETHEREDGE3 | 1545 W CROSBY ST. SLATON, TX 793643613 | CONTINENTAL AMERICAN INSURANCE COMPANY | $110 | — | $110 | 0.34% |
| JOHN (STEVE) WHITTEN3 Filed as: JOHN ALAN BARNWELL | 3501 103RD ST. LUBBOCK, TX 79423 | CONTINENTAL AMERICAN INSURANCE COMPANY | $109 | — | $109 | 0.34% |
| JASON BENEDICT SALITORE3 | 5518 102ND ST. LUBBOCK, TX 794246422 | CONTINENTAL AMERICAN INSURANCE COMPANY | $75 | — | $75 | 0.23% |
| JOSHUA ISAIAH SALINAS3 | 123 HICKS PL LEVELLAND, TX 79336 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | — | $9 | 0.03% |
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 | 211 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 212 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF NEW MEXICO | 143 | $1.3M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 282 | $113K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 282 | $113K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 282 | $113K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 282 | $113K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 282 | $113K |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 28 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 282 | — |
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.