| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NORRIS AND ASSOCIATES LLC3 | — | BLUECROSS BLUE SHIELD OF NEW MEXICO | $170K | $3K | $174K | 5.09% |
| NORRIS AND ASSOCIATES LLC3 Filed as: NORRIS AND ASSOCIATES | 9312 MONTGOMERY BOULEVARD NORTHEAST ALBUQUERQUE, NM 87110 | BLUECROSS BLUE SHIELD OF NEW MEXICO | — | $2 | $2 | 0.00% |
| DONNA ROSS SMITH3 Filed as: DONNA M NORRIS | 9312 MONTGOMERY BOULEVARD ALBUQUERQUE, NM 87111 | KANSAS CITY LIFE INSURANCE COMPANY | $70K | — | $70K | 18.27% |
| DONNA NORRIS3 Filed as: DONNA M NORRIS NAZ | 9312 MONTGOMERY BOULVARD NORTHEAST SUITE A ALBUQUERQUE, NM 87111 | COMPANION LIFE INSURANCE COMPANY DENTAL PLAN | $29K | — | $29K | 14.70% |
| DONNA ROSS SMITH3 Filed as: DONNA M NORRIS | 9312 MONTGOMERY BOULEVARD NORTHEAST SUITE A ALBUQUERQUE, NM 87111 | SUPERIOR VISION PLAN | $3K | — | $3K | 9.30% |
| BENEFITSOURCE INC3 | 1804 JUAN TABO BOULEVARD NORTHEAST SUITE A ALBUQUERQUE, NM 87112 | SUPERIOR VISION PLAN | $2K | — | $2K | 4.65% |
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 | 525 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 532 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUE SHIELD OF NEW MEXICO | 522 | $3.4M |
| Dental | COMPANION LIFE INSURANCE COMPANY DENTAL PLAN | 313 | $197K |
| Vision | SUPERIOR VISION PLAN | 257 | $34K |
| Life insurance | KANSAS CITY LIFE INSURANCE COMPANY | 523 | $382K |
| Short-term disability | KANSAS CITY LIFE INSURANCE COMPANY | 523 | $382K |
| Long-term disability | KANSAS CITY LIFE INSURANCE COMPANY | 523 | $382K |
| Other | KANSAS CITY LIFE INSURANCE COMPANY | 523 | $382K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 523 | — |
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.