| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DANIELS INSURANCE AGENCY3 Filed as: DANIELS INSURANCE AGENCY INC | PO BOX 4550 SANTA FE, NM 87502 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $45K | — | $45K | 11.20% |
| DANIELS INSURANCE3 Filed as: DANIELS INSURANCE INC | PO BOX 4550 SANTA FE, NM 87502 | UNITED CONCORDIA INSURANCE COMPANY | $5K | — | $5K | 9.82% |
| DANIELS INSURANCE3 Filed as: DANIELS INSURANCE INC | PO BOX 4550 SANTA FE, NM 87502 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 12.99% |
| DANIELS INSURANCE AGENCY3 Filed as: DANIELS INSURANCE AGENCY INC | PO BOX 4550 SANTA FE, NM 87502 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 9.96% |
| DANIELS INSURANCE3 Filed as: DANIELS INSURANCE INC | PO BOX 4550 SANTA FE, NM 87502 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 10.19% |
| DANIELS INSURANCE3 | 805 SAINT MICHAELS DR SANTA FE, NM 87505 | VISION SERVICE PLAN INSURANCE CO | $828 | — | $828 | 6.79% |
| DANIELS INSURANCE AGENCY3 Filed as: DANIELS INSURANCE AGENCY INC | PO BOX 4550 SANTA FE, NM 87502 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| DANIELS INSURANCE AGENCY3 Filed as: DANIELS INSURANCE AGENCY INC | P O BOX 4550 SANTA FE, NM 87502 | BLUE CROSS BLUE SHIELD OF NEW MEXICO | $536 | — | $536 | 7.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 INS CARRIER, SERVICE PROV | Claims processing Service code 12 | WWWCIGNACLIENTRESOURCESCOM C/O DANIELS INSURANCE AGENCY INC SANTA FE, NM 87502 | $1K |
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 | 131 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 238 | $411K |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 144 | $48K |
| Vision | VISION SERVICE PLAN INSURANCE CO | 73 | $12K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 161 | $19K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 163 | $25K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 165 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 238 | — |
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.