| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ELECIA J BELLMIRE3 Filed as: ELECIA J. BELLMIRE | 9790 ROAD 39 MANCOS, CO 81328 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 11.45% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INS. SERVICES, INC. | 353 NORTH CLARK STREET CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 9.93% |
| STACY ERVIEN3 | 10 WEST MAIN STREET SUITE 110 CORTEZ, CO 81321 | CONTINENTAL AMERICAN INSURANCE COMPANY | $637 | $0 | $637 | 1.78% |
| ASPEN R LLC3 Filed as: ASPEN R, LLC | 752 MAIN AVENUE SUITE 202 DURANGO, CO 81301 | CONTINENTAL AMERICAN INSURANCE COMPANY | $529 | $0 | $529 | 1.48% |
| VERONICA YVONNE BUTLER3 Filed as: VERONICA BUTLER | 223 NORTH GUADALUPE SUITE 529 SANTA FE, NM 87501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $30 | $0 | $30 | 0.08% |
| EZEQUIEL BUCCI TORRES3 Filed as: EZEQUIEL TORRES AND OTHERS | 3712 CHELWOOD DRIVE ALBUQUERQUE, NM 87111 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | $0 | $9 | 0.03% |
| LOUISA CRISTINA LEPISTO3 Filed as: LOUISA C. LEPISTO | 1512 SALT RIVER LOOP RIO RANCH, NM 87144 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | $0 | $8 | 0.02% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INS. SERVICES INC. | 353 NORTH CLARK STREET CHICAGO, IL 60654 | MONY LIFE IINSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 16.08% |
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 | 197 | 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) | 197 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | MONY LIFE IINSURANCE COMPANY OF AMERICA | 197 | $34K |
| Life insurance | MONY LIFE IINSURANCE COMPANY OF AMERICA | 197 | $34K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 57 | $36K |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 197 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 197 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.