| 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 | $16K | — | $16K | 2.93% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 GOLF RD FL 4 ROLLING MEDOWS, IL 60008 | BLUECROSS BLUESHIELD OF NEW MEXICO | $6K | — | $6K | 1.08% |
| ASSURANCE AGENCY LTD3 Filed as: WESTERN ASSURANCE CORP | 3701 PASEO DEL NORTE ALBUQUERQUE, NM 87113 | DELTA DENTAL OF NEW MEXICO | $5K | — | $5K | 7.65% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 GOLF RD FL 4 ROLLING MEDOWS, IL 60008 | DELTA DENTAL OF NEW MEXICO | $1K | — | $1K | 1.93% |
| ASSURANCE AGENCY LTD3 Filed as: WESTERN ASSURANCE CORP | 3701 PASEO DEL NORTE ALBUQUERQUE, NM 87113 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 11.30% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BENEFIT SERVICES | 2850 GOLF RD FL 4 ROLLING MEDOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $768 | $64 | $832 | 4.00% |
| ASSURANCE AGENCY LTD3 Filed as: WESTERN ASSURANCE CORP | 3701 PASEO DEL NORTE ALBUQUERQUE, NM 87113 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 11.39% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 GOLF RD FL 4 ROLLING MEDOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $712 | $59 | $771 | 3.91% |
| SMITH, THOMAS, CHRISTOPHER3 | 2928 FOSTER CREIGHTON DR NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $420 | $29 | $449 | 3.89% |
| ASSURANCE AGENCY LTD3 Filed as: WESTERN ASSURANCE CORP | 3701 PASEO DEL NORTE ALBUQUERQUE, NM 87113 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $142 | — | $142 | 1.23% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DELTA DENTAL OF NEW MEXICO EIN 85-0224562 CONTRACT ADMIN | Claims processing Service code 12 | — | $5K |
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 | 189 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 189 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF NEW MEXICO | 150 | $563K |
| Dental | DELTA DENTAL OF NEW MEXICO | 189 | $60K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 72 | $32K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 128 | $20K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 72 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 189 | — |
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.