| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | SUN LIFE ASSURANCE COMPANY OF CANADA | $62K | $0 | $62K | 4.45% |
| LEAVITT GROUP3 Filed as: KYSAR MILLENNIUM LEAVITT INS. AGCY. | 72 SUTTLE STREET, SUITE L DURGANGO, CO 81303 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | $0 | $4K | 0.29% |
| AMBER LARRAINE PALIC3 Filed as: AMBER PALIC | 7420 LAS BRISAS TRAIL FARMINGTON, NM 87402 | CONTINENTAL AMERICAN INSURANCE COMPANY | $45K | $0 | $45K | 9.41% |
| PINON HILLS INSURANCE3 Filed as: PINON HILLS INSURANCE, LLC | 2100 NORTH SULLIVAN AVENUE, SUITE 7 FARMINGTON, NM 87401 | CONTINENTAL AMERICAN INSURANCE COMPANY | $29K | $0 | $29K | 5.97% |
| RONALD A CORKISH3 Filed as: RONALD A. CORKISH | 1315 MAIN AVENUE, SUITE 218 DURANGO, CO 81301 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10K | $0 | $10K | 1.99% |
| AMY M BUCHANAN3 Filed as: AMY BUCHANAN | 2277 WEST 3RD AVENUE DURANGO, CO 81301 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | $0 | $7K | 1.47% |
| MJ INSURANCE3 Filed as: MARY H. ROBINS AND VARIOUS AGENTS | 85 FOLSOM PLACE DURANGO, CO 81301 | CONTINENTAL AMERICAN INSURANCE COMPANY | $883 | $0 | $883 | 0.18% |
| ASPEN R LLC3 Filed as: ASPEN R, LLC | 752 MAIN AVENUE, SUITE 202 DURANGO, CO 81301 | CONTINENTAL AMERICAN INSURANCE COMPANY | $579 | $0 | $579 | 0.12% |
| DARCI R MCMAHON3 Filed as: DARCI R. MCMAHON | 342 JENKINS RANCH ROAD DURANGO, CO 81301 | CONTINENTAL AMERICAN INSURANCE COMPANY | $293 | $0 | $293 | 0.06% |
| COMPETITIVE BENEFITS ADMINISTRATORS3 | UNKNOWN FARMINGTON, NM 87401 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | $0 | $18K | 10.00% |
No Schedule C service providers reported on this filing.
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 | 1,410 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,427 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEW MEXICO | 2,855 | $1.1M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 2,721 | $185K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,410 | $1.4M |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,410 | $1.4M |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,410 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,855 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.