| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DR NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $62K | $8K | $69K | 33.98% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF COLORADO | 4582 S ULSTER ST #600 DENVER, CO 80237 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 0.92% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SERVICES INC | 6565 AMERICAS PARKWAY NE STE 720 ALBUQUERQUE, NM 87110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $303 | $1K | 0.73% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DR NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $30K | $3K | $33K | 33.85% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF COLORADO | 4582 S ULSTER ST #600 DENVER, CO 80237 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 1.10% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SERVICE | 6565 AMERICAS PARKWAY NE STE 720 ALBUQUERQUE, NM 87110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $397 | $128 | $525 | 0.53% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DR NASHVILLE, TN 37204 | UNUM INSURANCE COMPANY | $22K | $3K | $26K | 39.36% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF COLORADO | 4582 S ULSTER ST, STE 600 DENVER, CO 80237 | UNUM INSURANCE COMPANY | $2K | $3 | $2K | 2.42% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SERVICE | 6565 AMERICAS PARKWAY NE, STE 720 ALBUQUERQUE, NM 87110 | UNUM INSURANCE COMPANY | $620 | $56 | $676 | 1.04% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DR NASHVILLE, NC 37204 | UNUM INSURANCE COMPANY | $5K | $850 | $6K | 25.31% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF COLORADO | 4582 S ULSTER ST, STE 600 DENVER, CO 80237 | UNUM INSURANCE COMPANY | $788 | — | $788 | 3.18% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SERVICE | 6565 AMERICAS PARKWAY NE, STE 720 ALBUQUERQUE, NM 87110 | UNUM INSURANCE COMPANY | $8 | $1 | $9 | 0.04% |
| DANIEL MACLELLAN3 | PO BOX 58434 NASHVILLE, TN 37205 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $43 | — | $43 | 4.95% |
| LORRAINE CHAVEZ3 Filed as: LORRAINE Y CHAVEZ INSURANCE | 8224 LOUISIANA BLVD NE STE A ALBUQUERQUE, NM 87113 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $43 | — | $43 | 4.95% |
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 | 1,289 | 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) | 1,289 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NEW MEXICO | 1,051 | $6.2M |
| Dental | DELTA DENTAL OF NEW MEXICO | 1,284 | $385K |
| Vision | VISION SERVICE PLAN | 1,014 | $88K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 1,289 | $370K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 1,289 | $370K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 1,289 | $370K |
| Other(6 contracts, 3 carriers) | SYMETRA LIFE INSURANCE COMPANY | 1,289 | $763K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,289 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.