| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALAMO INSURANCE SERVICES, LTD | 3310 N WHITE SANDS BLVD ALAMOGORDO, NM 88310 | BLUE CROSS BLUE SHEILD OF NEW MEXICO | $71K | — | $71K | 1.12% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 173850 DENVER, CO 80217 | THE LINCOLN INSURANCE COMPANY | $38K | — | $38K | 15.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DALLAS, TX 75312 | THE LINCOLN INSURANCE COMPANY | — | $6K | $6K | 2.27% |
| BB&T INS SERVICES INC3 Filed as: BB & T INS SVS OF CA | 750 B ST STE SAN DIEGO, CA 92101 | UNION SECURITY CONOANY | $15K | — | $15K | 12.28% |
| ALAMO INSURANCE SERVICES, LTD Filed as: ALAMO INSURANCE SERVICES LTD | 3310 N. WHITE SAND BLVD ALAMOGORDO, NM 88310 | VISION SERVICE PLAN | $2K | — | $2K | 3.11% |
| VHA MID AMERICA INS SVCS3 Filed as: VHA MIS AMERICA INS SVCS | 75 REMITTANCE DR STE 1855 CHICAGO, IL 60675 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 12.11% |
| VHA MID AMERICA INS SVCS3 Filed as: VHA MIS AMERICA INS SVCS | 75 REMITTANCE DR STE 1855 CHICAGO, IL 60675 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 7.89% |
| VHA MID AMERICA INS SVCS3 | 75 REMITTANCE DR STE 1855 CHICAGO, IL 60675 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 12.17% |
| VHA MID AMERICA INS SVCS3 | 75 REMITTANCE DR STE 1855 CHICAGO, IL 60675 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 7.83% |
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 | 733 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 733 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHEILD OF NEW MEXICO | 733 | $6.4M |
| Dental | UNION SECURITY CONOANY | 489 | $126K |
| Vision | VISION SERVICE PLAN | 372 | $64K |
| Life insurance(3 contracts, 2 carriers) | THE LINCOLN INSURANCE COMPANY | 751 | $347K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 751 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.