| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AXCESS FINANCIAL GROUP3 Filed as: AXCESS FINANCIAL, INC | 6605 UPTOWN BLVD ALBUQUERQUE, NM 87110 | DELTA DENTAL OF NEW MEXICO | $6K | — | $6K | 9.48% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA INC | 16220 N SCOTTSDALE RD SCOTTSDALE, AZ 85254 | DELTA DENTAL OF NEW MEXICO | $1K | — | $1K | 1.96% |
| AXCESS FINANCIAL GROUP3 Filed as: AXCESS FINANCIAL INC | 6605 UPTOWN BLVD ALBUQUERQUE, NM 87110 | RELIASTAR LIFE INSURANCE COMPANY | $5K | — | $5K | 13.05% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA INC | 16220 N SCOTTSDALE RD SCOTTSDALE, AZ 85254 | RELIASTAR LIFE INSURANCE COMPANY | $2K | — | $2K | 5.24% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HELATHCARE SERVICES EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $100K |
| RELIASTAR LIFE INSURANCE EIN 41-0451140 CONTTRACT 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 | 219 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 220 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEW MEXICO | 212 | $60K |
| Vision | VISION SERVICE PLAN | 126 | $17K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 219 | $36K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 219 | $36K |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 219 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 219 | — |
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.