| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CLIENT FIRST LLC3 | 5424 ALVARADO PL NE ALBUQUERQUE, NM 87110 | PRESBYTERIAN HEALTH PLAN INC. | $35K | $0 | $35K | 2.30% |
| RITA RIBAS3 Filed as: RITA M. RIBAS | 3624 MIMBRES LANE SANTA FE, NM 87507 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9K | $0 | $9K | 7.61% |
| STEVE G MONTOYA3 Filed as: STEVE G. MONTOYA | 23 COUNTY ROAD #22 ESPANOLA, NM 87532 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $0 | $4K | 3.37% |
| KAREN SLOAN3 | 58 VERANO LOOP SANTA FE, NM 87508 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $2 | $3K | 2.63% |
| DAVID MCLEOD3 | 409 NM HWY 528 NE RIO RANCHO, NM 87124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $208 | $2K | 1.35% |
| DILA R ROMERO3 Filed as: DILA R. ROMERO | 12101 SAN FRANCISCO NE ALBUQUERQUE, NM 87122 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $406 | $0 | $406 | 0.33% |
| DAVID A PHILLIPS3 Filed as: DAVID A. PHILLIPS | HCR65 OJO SARCO, NM 87521 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $181 | $0 | $181 | 0.15% |
| REYNALDO R GRAJEDA3 Filed as: REYNALDO R. GRAJEDA | 4915 COMINO DE MONTE NE ALBUQUERQUE, NM 87111 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $74 | $0 | $74 | 0.06% |
| JOSEPH QUINTANA3 | 4005 E OSBORN ROAD PHOENIX, AZ 85018 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $50 | $0 | $50 | 0.04% |
| KEVIN E MONTOYA3 Filed as: KEVIN E. MONTOYA | 23 COUNTY ROAD #22 ESPANOLA, NM 87532 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $39 | $0 | $39 | 0.03% |
| ELIZABETH QUIRANTE3 | 155 CALLE OJO FELIZ UNIT F UNIT F SANTA FE, NM 87505 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $34 | $0 | $34 | 0.03% |
| DESIREE RENEE SALMON3 | PO BOX 914 HIGLEY, AZ 85236 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $33 | $0 | $33 | 0.03% |
| CLARENCE L GARCIA3 Filed as: CLARENCE L. GARCIA | PO BOX 324 GUADALUPITA, NM 87722 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | $12 | $28 | 0.02% |
| JERRY A MAESTAS3 Filed as: JERRY A. MAESTAS | 8705 LAGRIMA DE ORO ROAD NE ALBUQUERQUE, NM 87111 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | $0 | $19 | 0.02% |
| NORTHWEST WORKSITE MARKETING CORP3 | 1910 INDIANWOOD CIRCLE MAUMEE, OH 43537 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | $0 | $16 | 0.01% |
| CLIENT FIRST LLC3 Filed as: CLIENT FIRST LLC NDU | 3007 LOUISIANA NE ALBUQUERQUE, NM 87110 | COMPANION LIFE INSURANCE COMPANY DENTAL PLAN | $3K | $0 | $3K | 3.98% |
| CLIENT FIRST LLC3 | 3007 LOUISIANA NE STE 100 ALBUQUERQUE, NM 87110 | AMERITAS LIFE INSURANCE CORP. | $2K | $0 | $2K | 6.78% |
| CLIENT FIRST LLC3 | 3007 LOUISIANA NE ALBUQUERQUE, NM 87110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 18.19% |
| CLIENT FIRST LLC3 | 3007 LOUISIANA NE STE 100 ALBUQUERQUE, NM 87110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 15.19% |
| CLIENT FIRST LLC3 | 3007 LOUISIANA NE ALBUQUERQUE, NM 87110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $964 | $0 | $964 | 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 | 207 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 207 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PRESBYTERIAN HEALTH PLAN INC. | 176 | $1.5M |
| Dental | COMPANION LIFE INSURANCE COMPANY DENTAL PLAN | 205 | $70K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 244 | $25K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 207 | $133K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 132 | $123K |
| Long-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 132 | $142K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 132 | $142K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 244 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.