| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES | 6501 AMERICAS PARKWAY NE SUITE 650 ALBUQUERQUE, NM 87110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $287 | $287 | 0.68% |
| GETTYSBURG BNFTS ADMIN INC3 Filed as: GETTYSBURG BNFTS ADMIN INC. | PO BOX 1060 GETTYSBURG, PA 17325 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 6.46% |
| ROBERT RYDESKI3 | 10 GOLF COURSE RD. SILVER CITY, NM 88061 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 5.59% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES WEST | PO BOX 955909 ST. LOUIS, MO 631955909 | VISION SERVICE PLAN | $712 | — | $712 | 3.37% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES | 6501 AMERICAS PARKWAY NE SUITE 650 ALBUQUERQUE, NM 87110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $81 | $81 | 0.65% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES | 6501 AMERICAS PARKWAY NE SUITE 650 ALBUQUERQUE, NM 871104141 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $35 | $35 | 0.66% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUESHIELD OF NEW MEXICO EIN 36-1236610 NONE | Contract Administrator Service code 13 | — | $125K |
| AON CORPORATION EIN 22-2232264 NONE | Insurance agents and brokers Service code 22 | — | $44K |
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 | 200 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 34 | 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)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF NEW MEXICO | 257 | $1.4M |
| Dental | BLUE CROSS BLUE SHIELD OF NEW MEXICO | 257 | $1.4M |
| Vision(2 contracts) | VISION SERVICE PLAN | 151 | $21K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 430 | $75K |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 27 | $33K |
| Long-term disability(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 219 | $45K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF NEW MEXICO | 257 | $1.4M |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF NEW MEXICO | 257 | $1.4M |
| Other(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 220 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 430 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.