| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LINTON & ASSOCIATES, LLC3 | 1204 CENTRAL AVE. SW ALBUQUERQUE, NM 87102 | BLUE CROSS BLUE SHIELD OF NEW MEXICO | $51K | $0 | $51K | 3.38% |
| LINTON & ASSOCIATES, LLC3 | 1204 CENTRAL AVE, SW ALBUQUERQUE, NM 87102 | UNITED CONCORDIA INSURANCE COMPANY | $6K | $0 | $6K | 4.98% |
| LINTON & ASSOCIATES, LLC3 Filed as: LINTON & ASSOCIATES | 1204 CENTRAL AVE, SW ALBUQUERQUE, NM 87102 | VISION SERVICE PLAN | $764 | $0 | $764 | 7.32% |
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 | 111 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 111 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NEW MEXICO | 206 | $1.5M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 229 | $113K |
| Vision | VISION SERVICE PLAN | 59 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 229 | — |
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."
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.