| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK SERVICES - ALBUQUERQUE | PO BOX 955909 ST. LOUIS, MO 63195 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $2K | $8K | 4.84% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES WEST, INC. | 6501 AMERICAS PARKWAY NE ALBUQUERQUE, NM 87110 | DELTA DENTAL OF NEW MEXICO | $11K | — | $11K | 9.95% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES - ALBUQUERQUE | PO BOX 955909 ST. LOUIS, MO 63195 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $312 | $4K | 16.25% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC. | PO BOX 955909 ST. LOUIS, MO 63195 | UNUM INSURANCE COMPANY | $947 | $158 | $1K | 17.50% |
| OROPEZA, NOAH3 | 5305 N GINNING DR. LITCHFIELD PARK, AZ 85340 | UNUM INSURANCE COMPANY | $947 | — | $947 | 15.00% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES WEST | PO BOX 19640 IRVINE, CA 92623 | METLIFE LEGAL PLANS | $553 | — | $553 | 10.31% |
| AON CONSULTING INC3 Filed as: AON RISK INS SERVICES WEST INC. | 6501 AMERICAS PARKWAY NE STE 650 ALBUQUERQUE, NM 87110 | METLIFE LEGAL PLANS | $129 | — | $129 | 2.41% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES WEST | 1850 N. CENTRAL, SUITE 1700 PHOENIX, AZ 85004 | METLIFE LEGAL PLANS | — | $45 | $45 | 0.84% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC. | PO BOX 955909 ST. LOUIS, MO 63195 | UNUM INSURANCE COMPANY | $644 | $109 | $753 | 17.55% |
| OROPEZA, NOAH3 | 5305 N GINNING DR. LITCHFIELD PARK, AZ 85340 | UNUM INSURANCE COMPANY | $643 | — | $643 | 14.98% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC. | PO BOX 955909 ST. LOUIS, MO 63195 | UNUM INSURANCE COMPANY | $625 | $104 | $729 | 17.51% |
| OROPEZA, NOAH3 | 5305 N GINNING DR. LITCHFIELD PARK, AZ 85340 | UNUM INSURANCE COMPANY | $625 | — | $625 | 15.01% |
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 | 159 | 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) | 159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEW MEXICO | 214 | $106K |
| Vision | VISION SERVICE PLAN | 124 | $23K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 159 | $198K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 159 | $173K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 159 | $173K |
| Other(6 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 159 | $218K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 214 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.