| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SHARON MCMAHAN3 | 94 SHADY OAK CIRCLE TIJARES, NM 87059 | DELTA DENTAL OF NEW MEXICO | $6K | $0 | $6K | 1.76% |
| LAUREL ALLY - KAYLA ARMSTRONG3 | 8527 RIO GRANDE BLVD NW LOS RANCHOS, NM 87114 | DELTA DENTAL OF NEW MEXICO | $5K | $0 | $5K | 1.23% |
| SHARON MCMAHAN3 | 94 SHADY OAK CIRCLE TIJERAS, NM 87059 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $33K | $0 | $33K | 15.02% |
| CATHY FENNER3 | 6121 INDIAN SCHOOL RD NE STE 240 ALBUQUERQUE, NM 87110 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $19K | $0 | $19K | 8.66% |
| COMPETITIVE BENEFITS3 Filed as: COMPETITIVE BENEFITS ADMNS | 2500 LOUISIANA BLVD NE STE 507 ALBUQUERQUE, NM 87110 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | $0 | $4K | 1.77% |
| LAUREL ALLY3 | 8527 RIO GRANDE BLVD NW LOS RANCHOS, NM 87114 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $671 | — | $671 | 0.30% |
| LAUREL ALLY, LLC3 | 8527 RIO GRANDE BLVD NW LOS RANCHOS, NM 87114 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | $0 | $9K | 8.69% |
| SHARON MCMAHAN3 | 94 SHADY OAK CIRCLE TIJARES, NM 87059 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $0 | $7K | 6.31% |
| ANSAS WAY, LLC3 Filed as: ANSAS WAY LLC | 9302 WEHRING RD. BLEIBLERVILLE, TX 78931 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $34K | $8K | $42K | 42.35% |
| SHAWN OSBORNE3 | 1150 N LOOP 1604 W STE 108-204 SAN ANTONIO, TX 78248 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11K | $19K | $29K | 29.49% |
| KAYLA D ARMSTRONG3 | 8527 RIO GRANDE BLVD NW LOS RANCHOS, NM 87114 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10K | $500 | $10K | 10.50% |
| JULIA MOORE3 | 9208 C ANDERSON DR NW ALBUQUERQUE, NM 87114 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| STEVE G MONTOYA3 | 23 COUNTY ROAD 22 ESPANOLA, NM 87532 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| LAUREL ALLY, LLC3 | 8527 RIO GRANDE BLVD NW LOS RANCHOS, NM 87114 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $0 | $7K | 8.17% |
| SHARON MCMAHAN3 | 94 SHADY OAK CIRCLE TIJARES, NM 87059 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $0 | $6K | 6.83% |
| SHARON MCMAHAN3 | 94 SHADY OAK CIRCLE TIJARES, NM 87059 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 7.56% |
| LAUREL ALLY, LLC3 | 8527 RIO GRANDE BLVD NW LOS RANCHOS, NM 87114 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 7.44% |
| LAUREL ALLY, LLC3 | 8527 RIO GRANDE BLVD NW LOS RANCHOS, NM 87114 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 8.27% |
| SHARON MCMAHAN3 | 94 SHADY OAK CIRCLE TIJARES, NM 87059 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $980 | $0 | $980 | 5.61% |
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 | 864 | 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) | 864 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEW MEXICO | 1,167 | $366K |
| Vision | VISION SERVICE PLAN | 524 | $70K |
| Life insurance(4 contracts, 3 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 802 | $441K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 196 | $86K |
| Stop-loss / reinsurancereinsurance | BERKSHIRE HATHAWAY | 761 | $327K |
| Other(7 contracts, 3 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 802 | $553K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,167 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.