| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CLIENT FIRST LLC Filed as: CLIENT FIRST | 3007 LOUISIANA BLVD NE ALBUQUERQUE, NM 87110 | PRESBYTERIAN HEALTH PLAN INC. | $69K | $0 | $69K | 4.23% |
| RITA RIBAS3 Filed as: RITA M RIBAS | 3624 MIMBRES LANE SANTA FE, NM 87507 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15K | $1K | $17K | 12.54% |
| STEVE G MONTOYA | 23 COUNTY ROAD 22 ESPANOLA, NM 87532 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $0 | $5K | 4.07% |
| DAVID MCLEOD3 | 409 NM HWY 528 NE RIO RANCHO, NM 87124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $1K | $3K | 2.51% |
| CLARENCE L GARCIA | PO BOX 324 GUADALUPITA, NM 87722 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 2.28% |
| KAREN SLOAN | 58 VERANO LOOP SANTA FE, NM 87508 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 1.21% |
| TRACY LYNN ALEXIS3 | PO BOX 30994 ALBUQUERQUE, NM 87190 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $164 | $764 | $928 | 0.70% |
| DAVID A PHILLIPS | CR 73 OJO SARCO, NM 87521 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $91 | $0 | $91 | 0.07% |
| REYNALDO R GRAJEDA | 12509 GRANDE AVE NE ALBUQUERQUE, NM 87123 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $47 | $0 | $47 | 0.04% |
| JOSEPH QUINTANA | 4005 E OSBORN RD PHOENIX, AZ 85018 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $38 | $0 | $38 | 0.03% |
| DILA R ROMERO | 12101 SAN FRANCISCO NE ALBUQUERQUE, NM 87122 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | $0 | $11 | 0.01% |
| NORTHWEST WORKSITE MARKETING CORP | 1910 INDIANWOOD CIRCLE MAUMEE, OH 43537 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.01% |
| 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 | 4.38% |
| CLIENT FIRST LLC | 3007 LOUISIANA BLVD NE SUITE 100 ALBUQUERQUE, NM 871102734 | AMERITAS LIFE INSURANCE CORP | $2K | $0 | $2K | 6.91% |
| CLIENT FIRST LLC | 3007 LOUISIANA BLVD NE ALBUQUERQUE, NM 87110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 15.00% |
| CLIENT FIRST LLC | 3007 LOUISIANA BLVD NE ALBUQUERQUE, NM 87110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 15.00% |
| CLIENT FIRST LLC | 3007 LOUISIANA BLVD NE ALBUQUERQUE, NM 87110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $969 | $0 | $969 | 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 | 220 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 220 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PRESBYTERIAN HEALTH PLAN INC. | 162 | $1.6M |
| Dental | COMPANION LIFE INSURANCE COMPANY DENTAL PLAN | 193 | $70K |
| Vision | AMERITAS LIFE INSURANCE CORP | 101 | $23K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 220 | $141K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 141 | $132K |
| Long-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 141 | $144K |
| Prescription drug | PRESBYTERIAN HEALTH PLAN INC. | 162 | $1.6M |
| Other(4 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 220 | $166K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 220 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.