| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES WEST | 6501 AMERICAS PARKWAY NE SUITE 650 ALBUQUERQUE, NM 87110 | BLUE CROSS BLUE SHIELD OF NEW MEXICO | — | $168K | $168K | 10.35% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES | PO BOX 19640 IRVINE, CA 92640 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $41 | $1K | 2.07% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES | PO BOX 19640 IRVINE, CA 92640 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $362 | $362 | 0.78% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES | PO BOX 19640 IRVINE, CA 92640 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $97 | $97 | 0.74% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES | PO BOX 19640 IRVINE, CA 92640 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $50 | $50 | 0.87% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES | 6501 AMERICAS PARKWAY NE, SUITE 650 ONE PARK SQUARE ALBUQUERQUE, NM 871104141 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $992 | — | $992 | 20.00% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES | 6501 AMERICAS PARKWAY NE, SUITE 650 ONE PARK SQUARE ALBUQUERQUE, PA 871104141 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $224 | — | $224 | 20.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUESHIELD OF NEW MEXICO EIN 36-1236610 NONE | Contract Administrator Service code 13 | — | $112K |
| AON CORPORATION EIN 22-2232264 NONE | Insurance agents and brokers Service code 22 | — | $47K |
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 | 190 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 192 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NEW MEXICO | 218 | $1.6M |
| Dental | BLUE CROSS BLUE SHIELD OF NEW MEXICO | 218 | $1.6M |
| Vision | VISION SERVICE PLAN | 142 | $21K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 313 | $46K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 10 | $56K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 190 | $13K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF NEW MEXICO | 218 | $1.6M |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF NEW MEXICO | 218 | $1.6M |
| Other(3 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 190 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 313 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.