| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CLIENT FIRST LLC | 5424 ALVARADO PL NE ALBUQUERQUE, NM 87110 | PRESBYTERIAN HEALTH PLAN INC | $64K | $0 | $64K | 3.69% |
| RITA RIBAS Filed as: RITA M. RIBAS | 3624 MIMBRES LANE SANTA FE, NM 87507 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | — | $7K | 5.10% |
| STEVE G MONTOYA Filed as: STEVE G. MONTOYA | 23 COUNTY ROAD 22 ESPANOLA, NM 87532 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 2.43% |
| DAVID MCLEOD3 Filed as: DAVID MCCLEOD | 409 NM HWY 528 NE RIO RANCHO, NM 87124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $194 | $1K | 0.93% |
| KAREN SLOAN3 | 58 VERANO LOOP SANTA FE, NM 87508 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $801 | $13 | $814 | 0.57% |
| DAVID A PHILLIPS Filed as: DAVID A. PHILLIPS | HCR 65 OJO SARCO, NM 87521 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $192 | — | $192 | 0.13% |
| DILA R ROMERO Filed as: DILA R. ROMERO | 12101 SAN FRANCISCO NE ALBUQUERQUE, NM 87122 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $136 | — | $136 | 0.10% |
| REYNALDO R GRAJEDA Filed as: REYNALDO R. GRAJEDA | 4915 CAMINO DE MONTE NE ALBUQUERQUE, NM 87111 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $80 | — | $80 | 0.06% |
| JOSEPH QUINTANA | 4005 E OSBORN ROAD PHOENIX, AZ 85018 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $56 | — | $56 | 0.04% |
| NORTHWEST WORKSITE MARKETING CORP | 1910 INDIANWOOD CIRCLE MAUMEE, OH 43537 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 0.01% |
| JERRY A MAESTAS Filed as: JERRY A. MAESTAS | 8705 LAGRIMA DE ORO NE ALBUQUERQUE, NM 87111 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.00% |
| DESIREE RENEE SALMON | PO BOX 914 HIGLEY, AZ 85236 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| CLIENT FIRST LLC Filed as: CLIENT FIRST LLC NDU | 3007 LOUISIANA BLVD NE ALBUQUERQUE, NM 87110 | COMPANION LIFE INSURANCE COMPANY DENTAL PLAN | $3K | $0 | $3K | 3.99% |
| CLIENT FIRST LLC | 3007 LOUISIANA BLVD NE SUITE 100 ALBUQUERQUE, NM 87110 | AMERITAS LIFE INSURANCE CORP | $2K | $0 | $2K | 6.63% |
| CLIENT FIRST LLC | 3007 LOUISIANA BLVD NE ALBUQUERQUE, NM 87110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 15.00% |
| CLIENT FIRST LLC | 3007 LOUISIANA BLVD NE ALBUQUERQUE, NM 87110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 15.00% |
| CLIENT FIRST LLC | 3007 LOUISIANA BLVD NE ALBUQUERQUE, NM 87110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 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 | 235 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 235 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PRESBYTERIAN HEALTH PLAN INC | 174 | $1.7M |
| Dental | COMPANION LIFE INSURANCE COMPANY DENTAL PLAN | 211 | $85K |
| Vision | AMERITAS LIFE INSURANCE CORP | 244 | $27K |
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 115 | $143K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 115 | $143K |
| Long-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 115 | $165K |
| Other(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 115 | $182K |
| 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.