| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSURANCE AGENCY LTD3 Filed as: WESTERN ASSURANCE CORP | 3701 PASEO DEL NORTE NE ALBUQUERQUE, NM 87113 | BLUECROSS BLUESHIELD OF NEW MEXICO | $25K | — | $25K | 3.84% |
| ASSURANCE AGENCY LTD3 Filed as: WESTERN ASSURANCE | 3701 PASEO DEL NORTE ALBUQUERQUE, NM 87113 | DELTA DENTAL OF NEW MEXICO | $6K | — | $6K | 10.00% |
| ASSURANCE AGENCY LTD3 Filed as: WESTERN ASSURANCE CORPORATION | 3701 PASEO DEL NORTE NE ALBUQUERQUE, NM 87113 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $595 | — | $595 | 4.11% |
| ASSURANCE AGENCY LTD3 Filed as: WESTERN ASSURANCE CORP | 3701 PASEO DEL NORTE ALBUQUERQUE, NM 87113 | HM LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| COMPETITIVE BENEFITS3 | 6121 INDIAN SCHOOL NE ALBUQUERQUE, NM 87110 | HM LIFE INSURANCE COMPANY | $584 | — | $584 | 5.00% |
| ASSURANCE AGENCY LTD3 Filed as: WESTERN ASSURANCE CORP | 3701 PASEO DEL NORTE NE ALBUQUERQUE, NM 87112 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 13.80% |
| ASSURANCE AGENCY LTD3 Filed as: WESTERN ASSURANCE CORP | 3701 PASEO DEL NORTE NE ALBUQUERQUE, NM 87113 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $527 | — | $527 | 9.21% |
| ASSURANCE AGENCY LTD3 Filed as: WESTERN ASSURANCE CORP | 3701 PASEO DEL NORTE NE ALBUQUERQUE, NM 87113 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $445 | — | $445 | 13.86% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DELTA DENTAL EIN 85-0224562 CONTRACT ADMIN | Claims processing Service code 12 | — | $7K |
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 | 265 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 265 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF NEW MEXICO | 164 | $644K |
| Dental | DELTA DENTAL OF NEW MEXICO | 139 | $56K |
| Vision | HM LIFE INSURANCE COMPANY | 87 | $12K |
| Life insurance(3 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 265 | $31K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 63 | $14K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 5 | $3K |
| Other(3 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 265 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 265 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.