| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK INS SERVICES WEST INC. | 6501 AMERICAS PKWY. NE SUITE 650 ALBUQUERQUE, NM 87110 | NEW MEXICO HEALTH CONNECTIONS | $12K | — | $12K | 3.39% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS SEE ATTACHED AFLAC SCHEDULE | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $12K | $307 | $12K | 18.52% |
| AON CONSULTING INC3 Filed as: AON RISK INS SERVICES WEST INC. | 75 REMITTANCE DRIVE DEPT 1446 CHICAGO, IL 60675 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $79 | $3K | 4.78% |
| AON CONSULTING INC3 Filed as: AON RISK INS SERVICES WEST INC. | 2555 E. CAMELBACK RD. PHOENIX, AZ 850169256 | METROPOLITAN LIFE INSURANCE COMPANY | — | $537 | $537 | 0.93% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES WEST | 6501 AMERICAS PKWY. SUITE 650 ALBUQUERQUE, NM 87110 | TRUE HEALTH NEW MEXICO | $1K | — | $1K | 3.00% |
| AON CONSULTING INC3 Filed as: AON RISK INS. SERVICES WEST INC. | 6501 AMERICAS PKWY NE SUITE 650 ALBUQUERQUE, NM 87110 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 12.46% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS SEE ATTACHED AFLAC SCHEDULE | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $536 | — | $536 | 17.09% |
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 | 126 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | NEW MEXICO HEALTH CONNECTIONS | 112 | $403K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 153 | $58K |
| Life insurance(3 contracts, 2 carriers) | AFLAC | 121 | $102K |
| Short-term disability(2 contracts) | AFLAC | 80 | $68K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 121 | $34K |
| Prescription drug(2 contracts, 2 carriers) | NEW MEXICO HEALTH CONNECTIONS | 112 | $403K |
| Other(3 contracts, 2 carriers) | AFLAC | 121 | $102K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 153 | — |
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.