| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VANGUARD RESOURCES INC3 Filed as: VANGUARD RESOURCES, INC. | — | BLUECROSS BLUESHIELD OF NEW MEXICO | $20K | $558 | $20K | 4.56% |
| TEN THOUSAND WAVES INC3 | 21 TEN THOUSAND WAVES WAY SANTA FE, NM 87501 | BLUECROSS BLUESHIELD OF NEW MEXICO | — | $7 | $7 | 0.00% |
| VANGUARD RESOURCES INC3 Filed as: VANGUARD RESOURCES, INC. | 25 ANTIGUA ROAD SANTA FE, NM 87508 | BLUECROSS BLUESHIELD OF NEW MEXICO | — | $1 | $1 | 0.00% |
| VANGUARD RESOURCES INC3 Filed as: VANGUARD RESOURCES, INC | 25 ANTIGUA ROAD SANTA FE, NM 87508 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | — | $1K | 8.16% |
| PARAGON PARTNERS LTD3 Filed as: PARAGON PARTNERS LIMITED | 9420 EAST DOUBLETREE RANCH ROAD SUITE C-103 SCOTTSDALE, AZ 85258 | TRANSAMERICA LIFE INSURANCE COMPANY | $985 | — | $985 | 6.47% |
| VANGUARD RESOURCES INC3 | 2213 BROTHERS ROAD SUITE 300 SANTA FE, NM 87505 | DEARBORN LIFE INSURANCE COMPANY | $1K | — | $1K | 12.22% |
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 | 167 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | 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 |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF NEW MEXICO | 111 | $443K |
| Dental | BLUECROSS BLUESHIELD OF NEW MEXICO | 111 | $443K |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 146 | $12K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 146 | $12K |
| Other(3 contracts, 3 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 167 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 167 | — |
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.