| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CLIENT FIRST LLC | PO BOX 65262 ALBUQUERQUE, NM 87193 | PRESBYTERIAN INSURANCE INC. | $57K | $0 | $57K | 3.99% |
| RITA RIBAS3 Filed as: RITA M RIBAS | 3624 MIMBRES LN SANTA FE, NM 87507 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14K | $0 | $14K | 7.70% |
| STEVE G MONTOYA3 | 23 COUNTY ROAD 22 ESPANOLA, NM 87532 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $0 | $6K | 3.15% |
| KAREN SLOAN3 | 4709 SIOUX DR NE RIO RANCHO, NM 87144 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $0 | $4K | 2.46% |
| DAVID MCLEOD3 | 4201 CRESTVIEW DR SE RIO RANCHO, NM 87124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $342 | $3K | 1.45% |
| ANGELA J WOOLARD3 Filed as: ANGELA RHEA LUHAN | 4501 SAFELITE BLVD NE APT 2116 RIO RANCHO, NM 87144 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 1.25% |
| ALYSIA MARTINEZ3 | 4612 ALLEGHENY CT NW ALBUQUERQUE, NM 87114 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $182 | $0 | $182 | 0.10% |
| DAVID A PHILLIPS3 | HCR 65 OJO SARCO, NM 87521 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $41 | $0 | $41 | 0.02% |
| JOSEPH QUINTANA3 | 3022 N 49TH CT PHOENIX, AZ 85018 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35 | $0 | $35 | 0.02% |
| REYNALDO R GRAJEDA3 | 12509 GRAND AVE NE ALBUQUERQUE, NM 87123 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | $0 | $14 | 0.01% |
| DILA R ROMERO3 | 12101 SAN FRANCISCO RD NE ALBUQUERQUE, NM 87122 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $0 | $9 | 0.01% |
| DIANNE E MCCOY3 | 9561 SW 63RD LOOP OCALA, FL 34481 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $0 | $6 | 0.00% |
| WILLIAM RICHARD KYZER3 | 8211 GORDON LN HERMITAGE, TN 37076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $0 | $5 | 0.00% |
| NORTHWEST WORKSITE MARKETING CORP3 | 1910 INDIANWOOD CIRCLE MAUMEE, OH 43537 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.00% |
| BENEFOUNDRY INC3 | 3013 LARGE HOP LN ANTIOCH, TN 37013 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.00% |
| NICHOLAS MOOR WEISSFELD3 | 1309 KNIGHTSBRIDGE DR KNOXVILLE, TN 37922 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.00% |
| CLIENT FIRST LLC | 3301 EL CABALLERO DR SW ALBUQUERQUE, NM 87121 | COMPANION LIFE INSURANCE | $2K | $0 | $2K | 4.00% |
| CLIENT FIRST LLC | 3301 EL CABALLERO DR SW ALBUQUERQUE, NM 87121 | AMERITAS LIFE INSURANCE CORP. | $1K | $0 | $1K | 7.07% |
| CLIENT FIRST LLC | PO BOX 65262 ALBUQUERQUE, NM 87193 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $998 | $0 | $998 | 10.00% |
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 | 188 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 188 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PRESBYTERIAN INSURANCE INC. | 144 | $1.4M |
| Dental | COMPANION LIFE INSURANCE | 153 | $55K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 222 | $21K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 188 | $190K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 125 | $180K |
| Long-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 125 | $180K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 125 | $180K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 222 | — |
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.