| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NATIVE AMERICAN INSURANCE GROUP3 Filed as: NATIVE AMERICAN INSURANCE GROUP INC | 3950 ST RD HWY 47 SUITE C127A ALBUQUERQUE, NM 87105 | BLUECROSS BLUESHIELD OF NEW MEXICO | $43K | — | $43K | 2.51% |
| LORRAINE CHAVEZ3 Filed as: LORRAINE Y CHAVEZ INSURANCE | 8224 LOUISIANA BLVD NE STE A ALBUQUERQUE, NM 87113 | BLUECROSS BLUESHIELD OF NEW MEXICO | $18K | — | $18K | 1.08% |
| LORRAINE CHAVEZ3 Filed as: LORRAINE CHAVEZ INSURANCE AGENCY | 8224 LOUISIANA BLVD NE STE A ALBUQUERQUE, NM 87113 | DELTA DENTAL OF NEW MEXICO | $2K | — | $2K | 2.05% |
| PAUL DINHAM3 | 7909 OAKLAND AVE NE ALBUQUERQUE, NM 87122 | KEMPER | $81K | — | $81K | 74.06% |
| LORRAINE CHAVEZ3 | 8224 LOUISIANA BLVD NE STE A ALBUQUERQUE, NJ 87113 | KEMPER | $21K | — | $21K | 19.33% |
| NATIVE AMERICAN INSURANCE GROUP3 Filed as: NATIVE AMERICAN INSURANCE GRP | 3950 ST RD HWY 47 SW SUITE C127A ALBUQUERQUE, NM 87105 | KEMPER | $19K | — | $19K | 17.37% |
| LORRAINE CHAVEZ3 Filed as: LORRAINE Y CHAVEZ INSURANCE AGENCY | 8224 LOUISIANA BLVD NE STE A ALBUQUERQUE, NM 87113 | VISION SERVICE PLAN | $2K | — | $2K | 4.28% |
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 | 462 | 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) | 462 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF NEW MEXICO | 510 | $1.7M |
| Dental | DELTA DENTAL OF NEW MEXICO | 462 | $121K |
| Vision | VISION SERVICE PLAN | 278 | $36K |
| Life insurance | KEMPER | 201 | $109K |
| Short-term disability | KEMPER | 201 | $109K |
| Stop-loss / reinsurancereinsurance | BLUECROSS BLUESHIELD OF NEW MEXICO | 510 | $1.7M |
| Other | KEMPER | 201 | $109K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 510 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.