| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CLIENT FIRST LLC3 | 5424 ALVARADO PL NE ALBUQUERQUE, NM 87110 | PRESBYTERIAN HEALTH PLAN INC. | $74K | $0 | $74K | 5.62% |
| RITA RIBAS3 Filed as: RITA M RIBAS | 3624 MIMBRES LANE SANTA FE, NM 87507 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12K | $0 | $12K | 7.91% |
| STEVE G MONTOYA3 | 23 COUNTY ROAD 22 ESPANOLA, NM 87532 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $0 | $5K | 3.51% |
| KAREN SLOAN3 | 58 VERANO LOOP SANTA FE, NM 87508 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $975 | $4K | 3.03% |
| DAVID MCLEOD3 | 1207 SOUTH 4 MERKEL, TX 79536 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $55 | $2K | 1.21% |
| ELIZABETH QUIRANTE3 | 155 CALLE OJO FELIZ UNIT F SANTA FE, NM 87505 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $411 | $0 | $411 | 0.28% |
| CLARENCE L GARCIA3 | PO BOX 324 GUADALUPITA, NM 87722 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $225 | $58 | $283 | 0.19% |
| DAVID A PHILLIPS3 | HCR 65 OJO SARCO, NM 87521 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $229 | $0 | $229 | 0.15% |
| REYNALDO R GRAJEDA3 | 4915 CAMINO DE MONTE NE ALBUQUERQUE, NM 87111 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $101 | $0 | $101 | 0.07% |
| JOSEPH QUINTANA3 | 4005 E OSBORN RD PHOENIX, AZ 87018 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $82 | $0 | $82 | 0.06% |
| KEVIN E MONTOYA3 | 23 COUNTY ROAD 22 ESPANOLA, NM 87532 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $48 | $0 | $48 | 0.03% |
| DESIREE RENEE SALMON3 | 800 W WILLIS RD APT 1159 CHANDLER, AZ 85286 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $38 | $0 | $38 | 0.03% |
| TIFFANY LYNN SLOAN3 | 6600 JAGUAR DRIVE SANTA FE, NM 87507 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30 | $0 | $30 | 0.02% |
| JERRY A MAESTAS3 | 8705 LAGRIMA DE ORO RD ALBUQUERQUE, NM 87111 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | $0 | $25 | 0.02% |
| NORTHWEST WORKSITE MARKETING CORP3 | 1910 INDIANWOOD CIRCLE MAUMEE, OH 43537 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | $0 | $23 | 0.02% |
| DILA R ROMERO3 | 12101 SAN FRANCISO NE ALBUQUERQUE, NM 87122 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | $0 | $17 | 0.01% |
| CLIENT FIRST LLC3 | 3007 LOUISIANA NE ALBUQUERQUE, NM 87110 | COMPANION LIFE INS CO GROUP DENTAL INDEMNITY PLAN | $3K | $0 | $3K | 2.50% |
| CLIENT FIRST LLC3 | 3007 LOUISIANA NE ALBUQUERQUE, NM 87110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 14.17% |
| CLIENT FIRST LLC3 | 3007 LOUISIANA NE ALBUQUERQUE, NM 87110 | AMERITAS LIFE INSURANCE CORP. | $2K | $0 | $2K | 6.97% |
| CLIENT FIRST LLC3 | 3007 LOUISIANA NE ALBUQUERQUE, NM 87110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 14.81% |
| CLIENT FIRST LLC3 | 3007 LOUISIANA NE ALBUQUERQUE, NM 87110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $877 | $0 | $877 | 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 | 140 | 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) | 140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PRESBYTERIAN HEALTH PLAN INC. | 187 | $1.3M |
| Dental | COMPANION LIFE INS CO GROUP DENTAL INDEMNITY PLAN | 207 | $117K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 250 | $23K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 207 | $157K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 142 | $148K |
| Long-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 142 | $177K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 142 | $165K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 250 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.