| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| POMS & ASSOCIATES INSURANCE BROKERS3 Filed as: POMS & ASSOCIATES | 320 OSUNA RD NE STE B ALBUQUERQUE, NM 87107 | PRESBYTERIAN HEALTH PLAN INC. | $22K | $0 | $22K | 1.97% |
| CLIENT FIRST LLC3 | 3007 LOUISIANA NE ALBUQUERQUE, NM 87110 | PRESBYTERIAN HEALTH PLAN INC. | $19K | $0 | $19K | 1.71% |
| RITA RIBAS3 Filed as: RITA M RIBAS | 3624 MIMBRES LANE SANTA FE, NM 87507 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14K | $236 | $14K | 9.11% |
| STEVE G MONTOYA3 | 23 COUNTY ROAD 22 ESPANOLA, NM 87532 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $0 | $6K | 3.98% |
| DAVID MCLEOD3 | 1207 SOUTH 4 MERKEL, TX 79536 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $274 | $2K | 1.50% |
| CLARENCE L GARCIA3 | PO BOX 324 GUADALUPITA, NM 87722 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $620 | $2K | 1.45% |
| KAREN SLOAN3 | 6474 PASEO DEL SOL SANTA FE, NM 87507 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $33 | $2K | 1.22% |
| DAVID A PHILLIPS3 | HCR 65 OJO SARCO, NM 87521 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $188 | $0 | $188 | 0.12% |
| NORTHWEST WORKSITE MARKETING CORP3 | 1910 INDIANWOOD CIRCLE MAUMEE, OH 43537 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $150 | $8 | $158 | 0.10% |
| JOSEPH QUINTANA3 | 27 N COUNTRY CLUB DR PHOENIX, AZ 85014 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $122 | $0 | $122 | 0.08% |
| REYNALDO R GRAJEDA3 | 4915 CAMINO DE MONTE NE ALBUQUERQUE, NM 87111 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $118 | $0 | $118 | 0.08% |
| DILA R ROMERO3 | 12101 SAN FRANCISCO NE ALBUQUERQUE, NM 87122 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $75 | $0 | $75 | 0.05% |
| KEVIN E MONTOYA3 | 23 COUNTY ROAD 22 ESPANOLA, NM 87532 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $68 | $0 | $68 | 0.04% |
| JASON RIBAS3 | 3624-B MIMBRES LANE SANTA FE, NM 87507 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $54 | $0 | $54 | 0.03% |
| JERRY A MAESTAS3 | CR 22 PARMER LN #9 ESPANOLA, NM 87532 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28 | $0 | $28 | 0.02% |
| DESIREE RENEE SALMON3 | 7527 RIO SALADO CT NW ALBUQUERQUE, NM 87120 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.00% |
| POMS & ASSOCIATES INSURANCE BROKERS3 Filed as: POMS & ASSOCIATES | 5700 CANOGA AVE STE 400 WOODLAND HILLS, CA 91367 | DENTAL MANAGEMENT ADMINISTRATORS | $1K | $0 | $1K | 2.07% |
| CLIENT FIRST LLC3 | 3007 LOUISIANA NE ALBUQUERQUE, NM 87110 | DENTAL MANAGEMENT ADMINISTRATORS | $1K | $0 | $1K | 1.78% |
| POMS & ASSOCIATES INSURANCE BROKERS3 | 320 OSUNA RD NE STE B ALBUQUERQUE, NM 871075953 | AMERITAS LIFE INSURANCE CORP | $918 | $0 | $918 | 3.93% |
| CLIENT FIRST LLC3 | 3007 LOUISIANA NE ALBUQUERQUE, NM 871102734 | AMERITAS LIFE INSURANCE CORP | $727 | $0 | $727 | 3.11% |
| POMS & ASSOCIATES INSURANCE BROKERS3 Filed as: POMS & ASSOCIATES | 5700 CANOGA AVE STE 400 WOODLAND HILLS, CA 91367 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 8.15% |
| CLIENT FIRST LLC3 | 3007 LOUISIANA NE ALBUQUERQUE, NM 87110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 6.85% |
| POMS & ASSOCIATES INSURANCE BROKERS3 Filed as: POMS & ASSOCIATES | 5700 CANOGA AVE STE 400 WOODLAND HILLS, CA 91367 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $451 | $0 | $451 | 5.53% |
| CLIENT FIRST LLC3 | 3007 LOUISIANA NE ALBUQUERQUE, NM 87110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $365 | $0 | $365 | 4.47% |
| POMS & ASSOCIATES INSURANCE BROKERS3 Filed as: POMS & ASSOCIATES | 5700 CANOGA AVE STE 400 WOODLAND HILLS, CA 91367 | DENTAL MANAGEMENT ADMINISTRATORS | $202 | $0 | $202 | 4.66% |
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 | 138 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PRESBYTERIAN HEALTH PLAN INC. | 327 | $1.1M |
| Dental(2 contracts) | DENTAL MANAGEMENT ADMINISTRATORS | 215 | $75K |
| Vision | AMERITAS LIFE INSURANCE CORP | 215 | $23K |
| Life insurance(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 215 | $179K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 132 | $155K |
| Long-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 132 | $155K |
| Other(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 215 | $179K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 327 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.