| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2345 GRAND BOULEVARD, SUITE 400 KANSAS CITY, MO 64108 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $0 | $8K | 6.97% |
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK STREET, SUITE 400 CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $816 | $0 | $816 | 4.66% |
| VERONICA YVONNE BUTLER3 | 223 NORTH GUADALUPE, SUITE 529 SANTA FE, NM 87501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $522 | $0 | $522 | 2.98% |
| ELECIA J BELLMIRE3 Filed as: ELECIA BELLMIRE | 9790 ROAD 39 MANCOS, CO 81328 | CONTINENTAL AMERICAN INSURANCE COMPANY | $206 | $0 | $206 | 1.18% |
| LOUISA CRISTINA LEPISTO3 Filed as: LOUISA LEPISTO | 2472 MANZANO LOOP NE RIO RANCHO, NM 87144 | CONTINENTAL AMERICAN INSURANCE COMPANY | $114 | $0 | $114 | 0.65% |
| HENRY RICHARD RIVERA3 | 5345 WYOMING BOULEVARD NE SUITE 101 ALBUQUERQUE, NM 92101 | CONTINENTAL AMERICAN INSURANCE COMPANY | $84 | $0 | $84 | 0.48% |
| STACY ERVIEN3 Filed as: STACY WIPFF | 10 WEST MAIN STREET, SUITE 110 CORTEZ, CO 81321 | CONTINENTAL AMERICAN INSURANCE COMPANY | $61 | $0 | $61 | 0.35% |
| MJ INSURANCE3 Filed as: ASPEN R LLC AND VARIOUS AGENTS | 752 MAIN AVENUE, SUITE 202 DURANGO, CO 81301 | CONTINENTAL AMERICAN INSURANCE COMPANY | $45 | $0 | $45 | 0.26% |
| ALLIANT INSURANCE SERVICES, INC.3 | 353 NORTH CLARK STREET, SUITE 400 CHICAGO, IL 60654 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $680 | $2K | 22.53% |
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 | 168 | 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) | 168 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 117 | $9K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 168 | $115K |
| Short-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 168 | $132K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 168 | $132K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 168 | — |
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.