| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DANIELS INSURANCE AGENCY | PO BOX 1258 HOBBS, NM 88241 | DELTA DENTAL OF NEW MEXICO | $3K | $6K | $9K | 19.25% |
| DANIELS INSURANCE AGENCY | 805 ST MICHAELS 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 | 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 | 805 SAINT MICHAELS DR SANTA FE, NM 87505 | VISION SERVICE PLAN OF DELTA DENTAL OF NM | $460 | — | $460 | 6.86% |
| DANIELS INSURANCE AGENCY | 300 N LINAM HOBBS, NM 88240 | TRUSTMARK INSURANCE COMPANY | $125 | — | $125 | 4.99% |
| DANIELS INSURANCE Filed as: DANIELS INSURANCE INC | 805 ST MICHAELS DR SANTA FE, NM 87505 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $44K | $44K | 1762.60% |
| DANIELS INSURANCE AGENCY | 805 ST MICHAELS DR SANTA FE, NM 82505 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $248 | — | $248 | 9.98% |
| SHERIDAN PAULA MCATEE | 1900 W CHANDLER BLVD CHANDLER, AZ 85224 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.27% |
| 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 | $0 |
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 | 145 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 110 | $1.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 110 | $1.1M |
| Vision | VISION SERVICE PLAN OF DELTA DENTAL OF NM | 0 | $7K |
| Life insurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 18 | $19K |
| Short-term disability | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 123 | $23K |
| Long-term disability | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 126 | $23K |
| Other(3 contracts, 3 carriers) | TRUSTMARK INSURANCE COMPANY | 142 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 145 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.