| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CLIENT FIRST LLC3 | 5424 ALVARADO PL NE ALBUQUERQUE, NM 87110 | PRESBYTERIAN HEALTH PLAN INC. | $48K | — | $48K | 4.00% |
| RITA RIBAS3 Filed as: RITA M RIBAS | 3624 MIMBRES LANE SANTA FE, NM 87507 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10K | $0 | $10K | 7.76% |
| STEVE G MONTOYA3 | 23 COUNTY ROAD 22 ESPANOLA, NM 87532 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $0 | $5K | 3.50% |
| KAREN SLOAN3 | 6600 JAGUAR DRIVE SANTA FE, NM 87507 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 2.11% |
| DAVID MCLEOD3 | 1207 SOUTH 4 MERKEL, TX 79536 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $570 | $2K | 1.73% |
| DAVID A PHILLIPS3 | HCR 65 OJO SARCO, NM 87521 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $178 | $0 | $178 | 0.13% |
| CLARENCE L GARCIA3 | PO BOX 324 GUADALUPITA, NM 87722 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $128 | $11 | $139 | 0.10% |
| CARL MASON3 | 10608 HATCH DR NW ALBUQUERQUE, NM 87114 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $132 | $0 | $132 | 0.10% |
| TIFFANY LYNN SLOAN3 | 6600 JAGUAR DRIVE SANTA FE, NM 87507 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $117 | $0 | $117 | 0.09% |
| REYNALDO R GRAJEDA3 | 4915 CAMINO DE MONTE NE ALBUQUERQUE, NM 87111 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $98 | $0 | $98 | 0.07% |
| JOSEPH QUINTANA3 | 27 N COUNTRY CLUB DR PHOENIX, AZ 85014 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $85 | $0 | $85 | 0.06% |
| KEVIN E MONTOYA3 | 23 COUNTY ROAD 22 ESPANOLA, NM 87532 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $52 | $0 | $52 | 0.04% |
| JERRY A MAESTAS3 | 8705 LAGRIMA DE ORO RD ALBUQUERQUE, NM 87111 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30 | $0 | $30 | 0.02% |
| NORTHWEST WORKSITE MARKETING CORP3 | 1910 INDIANWOOD CIRCLE MAUMEE, OH 43537 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | $0 | $25 | 0.02% |
| DILA R ROMERO3 | 12101 SAN FRANCISCO NE ALBUQUERQUE, NM 87122 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | $0 | $14 | 0.01% |
| JIEYI HERABACU3 | 1320 DON DIEGO ST SANTA FE, NM 87505 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $0 | $10 | 0.01% |
| DESIREE RENEE SALMON3 | 7527 RIO SALADO CT NW ALBUQUERQUE, NM 87120 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.00% |
| CLIENT FIRST LLC3 | 3007 LOUISIANA NE ALBUQUERQUE, NM 87110 | COMPANION LIFE INS CO. GROUP DENTAL INDEMNITY PLAN | $3K | $0 | $3K | 3.89% |
| DENTALSOURCE3 Filed as: DENTALSOURCE INC. | 1804 JUAN TABO NE ALBUQUERQUE, NM 87112 | COMPANION LIFE INS CO. GROUP DENTAL INDEMNITY PLAN | $3K | $0 | $3K | 3.88% |
| CLIENT FIRST LLC3 | 3007 LOUISIANA NE ALBUQUERQUE, NM 87110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 15.19% |
| CLIENT FIRST LLC3 | 3007 LOUISIANA BLVD NE STE 100 ALBUQUERQUE, NM 87110 | AMERITAS LIFE INSURANCE CORP | $2K | $0 | $2K | 6.86% |
| CLIENT FIRST LLC3 | 3007 LOUISIANA NE ALBUQUERQUE, NM 87110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 13.89% |
| CLIENT FIRST LLC3 | 3007 LOUISIANA NE ALBUQUERQUE, NM 87110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $818 | $0 | $818 | 9.25% |
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 | 133 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PRESBYTERIAN HEALTH PLAN INC. | 181 | $1.2M |
| Dental | COMPANION LIFE INS CO. GROUP DENTAL INDEMNITY PLAN | 205 | $78K |
| Vision | AMERITAS LIFE INSURANCE CORP | 224 | $25K |
| Life insurance(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 215 | $166K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 123 | $135K |
| Long-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 123 | $162K |
| Other(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 215 | $166K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 224 | — |
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.