| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DANIELS INSURANCE3 | 805 SAINT MICHAELS DR SANTA FE, NM 87505 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | $36K | $41K | 4.36% |
| DANIELS INSURANCE AGENCY | 805 ST MIACHAELS DR SANTA FE, NM 82505 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| DANIELS INSURANCE AGENCY | 805 ST MICHAELS DR SANTA FE, NM 82505 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| DANIELS INSURANCE AGENCY | 805 ST MIACHAELS DR SANTA FE, NM 82505 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| DANIELS INSURANCE | 805 ST MICHAELS DR SANTA FE, NM 87505 | VISION SERVICE PLAN | $929 | — | $929 | 6.20% |
| DANIELS INSURANCE AGENCY | 300 N LINAM HOBBS, NM 88240 | TRUSTMARK INSURANCE COMPANY | $242 | — | $242 | 4.64% |
| DANIELS INSURANCE AGENCY | 805 ST MICHAELS DRIVE SANTA FE, NM 82505 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $229 | — | $229 | 10.01% |
| DANIELS INSURANCE Filed as: DANIELS INSURANCE INC | 805 ST MICHAELS DR SANTA FE, NM 87505 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.21% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 INS CARRIER, ADVISOR | Claims processing Service code 12 | C/O DANIELS INSURANCE AGENCY 805 ST MICHAELS DRIVE SANTA FE, NM 87505 | $36K |
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 | 178 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 143 | $937K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 143 | $937K |
| Vision | VISION SERVICE PLAN | 96 | $15K |
| Life insurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 178 | $17K |
| Short-term disability | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 160 | $21K |
| Long-term disability | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 160 | $20K |
| Other(3 contracts, 3 carriers) | TRUSTMARK INSURANCE COMPANY | 160 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 178 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.