| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSURANCE AGENCY LTD3 Filed as: WESTERN ASSURANCE CORP | 3701 PASEO DEL NORTE ALBUQUERQUE, NM 87113 | BLUECROSS BLUESHIELD OF NEW MEXICO | $20K | — | $20K | 3.92% |
| ASSURANCE AGENCY LTD3 Filed as: WESTERN ASSURANCE CORP | 3701 PASEO DEL NORTE NE ALBUQUERQUE, NM 87113 | DELTA DENTAL OF NEW MEXICO | $4K | — | $4K | 9.85% |
| SMITH, THOMAS, CHRISTOPHER3 | PO BOX 6650 METAIRIE, LA 70009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $139 | $2K | 11.14% |
| ASSURANCE AGENCY LTD3 Filed as: WESTERN ASSURANCE CORP | 3701 PASEO DEL NORTE NE ALBUQUERQUE, NM 87113 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $270 | — | $270 | 1.83% |
| ASSURANCE AGENCY LTD3 Filed as: WESTERN ASSURANCE CORP | 3701 PASEO DEL NORTE NE ALBUQUERQUE, NM 87113 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 12.84% |
| ASSURANCE AGENCY LTD3 Filed as: WESTERN ASSURANCE CORP | 3701 PAESO DEL NORTE ALBUQUERQUE, NM 87112 | HM LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| COMPETITIVE BENEFITS3 | 6121 INDIAN SCHOOL RD STE 240 ALBUQUERQUE, NM 87110 | HM LIFE INSURANCE COMPANY | $517 | — | $517 | 5.00% |
| ASSURANCE AGENCY LTD3 Filed as: WESTERN ASSURANCE CORP | 3701 PASEO DEL NORTE NE ALBUQUERQUE, NM 87113 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 16.36% |
| ASSURANCE AGENCY LTD3 Filed as: WESTERN ASSURANCE CORP | 3701 PASEO DEL NORTE NE ALBUQUERQUE, NM 87113 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3 | $198 | $201 | 4.06% |
| SMITH, THOMAS, CHRISTOPHER3 | PO BOX 6650 METAIRIE, LA 70009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $175 | $15 | $190 | 3.84% |
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 | 234 | 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) | 234 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF NEW MEXICO | 118 | $507K |
| Dental | DELTA DENTAL OF NEW MEXICO | 116 | $45K |
| Vision | HM LIFE INSURANCE COMPANY | 71 | $10K |
| Life insurance(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 234 | $35K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 234 | $11K |
| Other(4 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 234 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 234 | — |
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.