| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AXCESS FINANCIAL GROUP3 Filed as: AXCESS FINANCIAL | 6605 UPTOWN SQUARE NE SUITE 280 ABQ, NM 87110 | PRESBYTERIAN HEALTH PLAN INC | $21K | — | $21K | 10.40% |
| AXCESS FINANCIAL GROUP3 Filed as: AXCESS FINANCIAL | 6605 UPTOWN SQUARE NE SUITE 280 ABQ, NM 87110 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | $971 | $6K | 11.65% |
| PARAGON PARTNERS LTD3 | 9420 DOUBLETREE RANCH RD SUITE C 103 SCOTTSDALE, AZ 85258 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | $482 | $2K | 3.75% |
| AXCESS FINANCIAL GROUP3 Filed as: AXCESS FINANCIAL | 6605 UPTOWN SQUARE NE SUITE 280 ABQ, NM 87110 | DELTA DENTAL OF NEW MEXICO | $7K | — | $7K | 15.16% |
| AXCESS FINANCIAL GROUP3 Filed as: AXCESS FINANCIAL | 6605 UPTOWN SQUARE NE SUITE 280 ABQ, NM 87110 | STARMOUNT LIFE INSURANCE COMPANY | $945 | — | $945 | 12.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | STARMOUNT LIFE INSURANCE COMPANY | $394 | $315 | $709 | 9.00% |
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 | 210 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 210 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PRESBYTERIAN HEALTH PLAN INC | 106 | $205K |
| Dental | DELTA DENTAL OF NEW MEXICO | 119 | $43K |
| Vision(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 210 | $59K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 210 | $51K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 210 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 210 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.