| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CARPENTER INSURANCE LLC3 | 8232 LOUISIANA BLVD NE STE B ALBUQUERQUE, NM 87113 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $90K | — | $90K | 11.69% |
| ASSURANCE AGENCY LTD3 Filed as: WESTERN ASSURANCE CORP | PO BOX 94600 ALBUQUERQUE, NM 87199 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $66K | — | $66K | 8.57% |
| CARPENTER INSURANCE LLC3 | 8232 LOUISIANA BLVD NE STE B ALBUQUERQUE, NM 87113 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 5.41% |
| CARPENTER INSURANCE LLC3 | 8232 LOUISIANA BLVD NE STE B ALBUQUERQUE, NM 87113 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 9.94% |
| ASSURANCE AGENCY LTD3 Filed as: WESTERN ASSURANCE CORP | PO BOX 94600 ALBUQUERQUE, NM 87113 | METROPOLITAN LIFE INSURANCE COMPANY | $491 | — | $491 | 1.23% |
| ASSURANCE AGENCY LTD3 Filed as: WESTERN ASSURANCE CORP | PO BOX 94600 ALBUQUERQUE, NM 87199 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 5.94% |
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 | 539 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 36 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 575 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 460 | $766K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 460 | $766K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 683 | $40K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 432 | $220K |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 432 | $220K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 432 | $220K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 460 | $766K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 432 | $220K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 683 | — |
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.