| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CLIENT FIRST LLC | PO BOX 65262 ALBUQUERQUE, NM 87193 | PRESBYTERIAN INSURANCE INC. | $67K | $0 | $67K | 4.96% |
| RITA RIBAS3 Filed as: RITA M RIBAS | 3624 MIMBRES LN SANTA FE, NM 87507 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17K | $2K | $18K | 9.65% |
| STEVE G MONTOYA | 23 COUNTY ROAD 22 ESPANOLA, NM 87532 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $0 | $6K | 3.16% |
| DAVID MCLEOD3 | 4201 CRESTVIEW DR SE RIO RANCHO, NM 87124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $2K | $4K | 2.20% |
| KAREN SLOAN | 58 VERANO LOOP SANTA FE, NM 87508 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $0 | $4K | 1.97% |
| ALYSIA MARTINEZ3 | 4612 ALLEGHENY CT NW ALBUQUERQUE, NM 87114 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $331 | $3K | 1.53% |
| CLARENCE L GARCIA | PO BOX 324 GUADALUPITA, NM 87722 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $64 | $0 | $64 | 0.03% |
| JOSEPH QUINTANA | 3022 N 49TH CT PHOENIX, AZ 85018 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $36 | $0 | $36 | 0.02% |
| DAVID A PHILLIPS | HCR 65 OJO SARCO, NM 87521 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32 | $0 | $32 | 0.02% |
| REYNALDO R GRAJEDA | 12509 GRAND AVE NE ALBUQUERQUE, NM 87123 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29 | $0 | $29 | 0.02% |
| NORTHWEST WORKSITE MARKETING CORP | 1910 INDIANWOOD CIRCLE MAUMEE, OH 43537 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $0 | $9 | 0.00% |
| DILA R ROMERO | 12101 SAN FRANCISCO RD NE ALBUQUERQUE, NM 87122 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $0 | $7 | 0.00% |
| KEVIN E MONTOYA | 23 COUNTY ROAD 22 ESPANOLA, NM 87532 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| CLIENT FIRST LLC Filed as: CLIENT FIRST LLC / JOSE ALVAREZ | 3007 LOUISIANA BLVD NE ALBUQUERQUE, NM 87110 | COMPANION LIFE INSURANCE | $3K | $0 | $3K | 4.00% |
| CLIENT FIRST LLC | 3301 EL CABALLERO DR SW ALBUQUERQUE, NM 871212179 | AMERITAS LIFE INSURANCE CORP | $2K | — | $2K | 7.02% |
| CLIENT FIRST LLC | PO BOX 65262 ALBUQUERQUE, NM 87193 | UNUM LIFE INSURANCE 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 | 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 INSURANCE INC. | 0 | $1.3M |
| Dental | COMPANION LIFE INSURANCE | 168 | $64K |
| Vision | AMERITAS LIFE INSURANCE CORP | 253 | $22K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 207 | $200K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 126 | $190K |
| Long-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 126 | $190K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 207 | $200K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 253 | — |
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.