| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMBER LARRAINE PALIC3 | 7520 LAS BRISAS TRAIL FARMINGTON, NM 87402 | CONTINENTAL AMERICAN INSURANCE COMPANY | $44K | $0 | $44K | 2.45% |
| PINON HILLS INSURANCE3 | 5920 EAST MAIN STREET, SUITE B FARMINGTON, NM 87402 | CONTINENTAL AMERICAN INSURANCE COMPANY | $28K | $0 | $28K | 1.57% |
| SEAN ANDREW FOSTER3 | 225 FOSTER LANE WHITEWATER, CO 81527 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8K | $0 | $8K | 0.43% |
| RONALD A CORKISH3 Filed as: RONALD ALAN CORKISH | 1315 MAIN AVENUE, SUITE 218 DURANGO, CO 81301 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 0.25% |
| AMY MYER BUCHANAN3 | 348 SIR CHANDLER DRIVE KILL DEVIL HILLS, NC 27948 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 0.20% |
| MJ INSURANCE3 Filed as: ERIN JAEN PATLA AND VARIOUS AGENTS | PO BOX 4386 DURANGO, CO 81302 | CONTINENTAL AMERICAN INSURANCE COMPANY | $910 | $0 | $910 | 0.05% |
| ASPEN R LLC3 Filed as: ASPEN R., LLC | 752 MAIN AVENUE, SUITE 202 DURANGO, CO 81301 | CONTINENTAL AMERICAN INSURANCE COMPANY | $375 | $0 | $375 | 0.02% |
| LOCKTON COMPANIES, LLC3 | PO BOX 650823 DALLAS, TX 75265 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $8K | $8K | 0.64% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $47K | $47K | $93K | 10.16% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $47K | $0 | $47K | 5.08% |
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 | 1,439 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,439 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 2,747 | $1.2M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 2,747 | $1.2M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,439 | $918K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,439 | $918K |
| Other(3 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 1,439 | $2.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,747 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.