| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SHELLEY BURT3 | 5801 OZUNA ROAD NORTHEAST SUITE 110 ALBUQUERQUE, NM 87109 | BENEFITMALL | — | $50K | $50K | 17.65% |
| ASSURED BENEFITS ADMINISTRATORS3 | 221 NORTH KANSAS STREET SUITE 1610 EL PASO, TX 79901 | BENEFITMALL | — | $45K | $45K | 16.10% |
| CWIBENEFITS INC3 Filed as: CWIBENEFITS,INC | PO BOX 6125 GREENVILLE, SC 29606 | BENEFITMALL | — | $37K | $37K | 13.20% |
| SHELLEY BURT3 | 5801 OSUNA ROAD NORHEAST SUITE 110 ALBUQUERQUE, NM 87109 | AMERITAS LIFE INSURANCE CORPORATION | $2K | $524 | $3K | 3.03% |
| SHELLEY BURT3 | 5801 OSUNA ROAD NORTHEAST SUITE 110 ALBUQUERQUE, NM 87109 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 10.96% |
| SHELLEY BURT3 | 5801 OSUNA ROAD NORTHEAST SUITE 110 ALBUQUERQUE, NM 87109 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 16.37% |
| SHELLEY BURT3 | 5801 OSUNA ROAD NORTHEAST SUITE 110 ALBUQUERQUE, NM 87109 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $503 | — | $503 | 11.99% |
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 | 165 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 181 | $98K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 181 | $98K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 45 | $15K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 38 | $8K |
| Stop-loss / reinsurancereinsurance | BENEFITMALL | 165 | $281K |
| Other(3 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORPORATION | 181 | $113K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 181 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.