| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK INS SERVICES | 6501 AMERICAS PKWY NE STE 650 ALBUQUERQUE, NM 87110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $645 | $645 | 0.87% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES | 6501 AMERICAS PKWY NE STE 650 ALBUQUERQUE, NM 87110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $221 | $221 | 0.86% |
| DAVID WILLIAM BERNARD3 | 8220 SAN PEDRO NE STE 505 ALBUQUERQUE, NM 87113 | NORTHWESTERN MUTUAL | $1K | $243 | $1K | 7.07% |
| KAREN LOUISE BEDWELL HERHAHN3 | 8220 SAN PEDRO NE STE 505 ALBUQUERQUE, NM 87113 | NORTHWESTERN MUTUAL | $1K | $243 | $1K | 7.07% |
| JONATHAN ALI HAJIMOMEN3 Filed as: JONATHAN MICHAEL BERG | 8220 SAN PEDRO NE STE 505 ALBUQUERQUE, NM 87113 | NORTHWESTERN MUTUAL | $525 | $134 | $659 | 3.60% |
| NM PHOENIX AZ AGY3 | 2201 E CAMELBACK RD STE 400 PHOENIX, AZ 85016 | NORTHWESTERN MUTUAL | $467 | $41 | $508 | 2.78% |
| STEVEN A TRUJILLO3 | 8220 SAN PEDRO NE STE 505 ALBUQUERQUE, NM 87113 | NORTHWESTERN MUTUAL | $263 | $62 | $325 | 1.78% |
| AON CONSULTING INC3 Filed as: AON RISK INS SERVICES | 6501 AMERICAS PKWY NE STE 650 ALBUQUERQUE, NM 87110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $163 | $163 | 1.18% |
| DAVID WILLIAM BERNARD3 | 8220 SAN PEDRO NE STE 505 ALBUQUERQUE, NM 87113 | NORTHWESTERN MUTUAL | $446 | $103 | $549 | 6.93% |
| KAREN LOUISE BEDWELL HERHAHN3 | 8220 SAN PEDRO NE STE 505 ALBUQUERQUE, NM 87113 | NORTHWESTERN MUTUAL | $446 | $103 | $549 | 6.93% |
| NM PHOENIX AZ AGY3 | 2201 E CAMELBACK RD STE 400 PHOENIX, AZ 85016 | NORTHWESTERN MUTUAL | $129 | $11 | $140 | 1.77% |
| STEVEN A TRUJILLO3 | 8220 SAN PEDRO NE STE 505 ALBUQUERQUE, NM 87113 | NORTHWESTERN MUTUAL | $45 | $11 | $56 | 0.71% |
| AON CONSULTING INC3 Filed as: AON RISK INS SERVICES | 6501 AMERICAS PKWY NE STE 650 ALBUQUERQUE, NM 87110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $21 | $21 | 1.11% |
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 | 242 | 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) | 242 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 242 | $1.3M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 242 | $1.3M |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 242 | $1.3M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 64 | $14K |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 40 | $34K |
| Long-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 42 | $92K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 193 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 242 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.