| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT SOURCE INC3 Filed as: BENEFIT SOURCE 951 | 1804 JUAN TABO SUITE A ALBUQUERQUE, NM 87112 | COMPANION LIFE INSURANCE COMPANY | $3K | $0 | $3K | 5.54% |
| RIGHTER INSURANCE LLC3 Filed as: RIGHTER INSURANCE LLC NAE | PO BOX 6195 MCKINNEY, TX 75071 | COMPANION LIFE INSURANCE COMPANY | $2K | $0 | $2K | 4.38% |
| RIGHTER INSURANCE LLC3 | P.O. BOX 6195 MCKINNEY, TX 75701 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 10.00% |
| DENTAL SOURCE INC NEW MEXICO3 Filed as: DENTAL SOURCE DENTAL PLAN, INC | 1804 JUAN TABO NE ALBUQUERQUE, NM 87112 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $683 | $0 | $683 | 5.00% |
| RIGHTER INSURANCE LLC3 | P.O. BOX 6195 MCKINNEY, TX 75071 | COMPANION LIFE INSURANCE COMPANY | $2K | $0 | $2K | 12.12% |
| BENEFIT SOURCE INC3 Filed as: BENEFIT SOURCE, INC | 1804 JUAN TABO BLVD NE SUITE A ALBUQUERQUE, NM 87112 | COMPANION LIFE INSURANCE COMPANY | $815 | $0 | $815 | 6.06% |
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 | 194 | 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) | 194 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | COMPANION LIFE INSURANCE COMPANY | 162 | $53K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 117 | $14K |
| Life insurance | COMPANION LIFE INSURANCE COMPANY | 192 | $13K |
| Other | COMPANION LIFE INSURANCE COMPANY | 192 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 192 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.