| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SHARON MCMAHAN3 | 94 SHADY OAK CIRCLE TIJERAS, NM 87059 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $26K | — | $26K | 31.43% |
| CATHY FENNER3 | 6121 INDIAN SCHOOL RD NE ALBUQUERQUE, NM 87110 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $18K | — | $18K | 20.99% |
| COMPETITIVE BENEFITS3 | 6121 INDIAN SCHOOL RD NE ALBUQUERQUE, NM 87110 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 4.96% |
| SHARON MCMAHAN3 | 94 SHADY OAK CIRCLE TIJERAS, NM 87059 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $17K | — | $17K | 25.14% |
| CATHY FENNER3 | 6121 INDIAN SCHOOL 240 ALBUQUERQUE, NM 87110 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11K | — | $11K | 16.90% |
| COMPETITIVE BENEFITS3 Filed as: COMPETITIVE BENEFITS ADMINS | 6121 INDIAN SCHOOL RD 240 ALBUQUERQUE, NM 87110 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 4.91% |
| SHARON MCMAHAN3 | 94 SHADY OAK CIRCLE TIJERAS, NM 87059 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $35K | — | $35K | 51.88% |
| CATHY FENNER3 | 6121 INDIAN SCHOOL RD NE ALBUQUERQUE, NM 87110 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $23K | — | $23K | 34.58% |
| COMPETITIVE BENEFITS3 | 6121 INDIAN SCHOOL RD NE ALBUQUERQUE, NM 87110 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 4.59% |
| CATHY FENNER3 | 6121 INDIAN SCHOOL RD NE ALBUQUERQUE, NM 87110 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $914 | — | $914 | 3.59% |
| COMPETITIVE BENEFITS3 | 6121 INDIAN SCHOOL RD NE ALBUQUERQUE, NM 87110 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $193 | — | $193 | 0.76% |
| SHARON MCMAHAN3 | 94 SHADY OAK CIRCLE TIJERAS, NM 87059 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 9.36% |
| ETHOS RISK ADVISORS LLC7 | 4547 LAKE SHORE DR WACO, TX 76710 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 5.64% |
| SHARON MCMAHAN3 | 94 SHADY OAK CIRCLE TIJERAS, NM 87059 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 15.00% |
| SHARON MCMAHAN3 | 94 SHADY OAK CIRCLE TIJERAS, NM 87059 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 9.07% |
| ETHOS RISK ADVISORS LLC7 | 4547 LAKE SHORE DR WACO, TX 76710 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 5.92% |
| SHARON MCMAHAN3 | 94 SHADY OAK CIRCLE TIJERAS, NM 87059 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 15.00% |
| SHARON MCMAHAN3 | 94 SHADY OAK CIRCLE TIJERAS, NM 87059 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $514 | — | $514 | 9.24% |
| ETHOS RISK ADVISORS LLC7 | 4547 LAKE SHORE DR WACO, TX 76710 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $321 | — | $321 | 5.77% |
| SHARON MCMAHAN3 | 94 SHADY OAK CIRCLE TIJERAS, NM 87059 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | — | $12K | 253.43% |
| SHARON MCMAHAN3 | 94 SHADY OAK CRL TIJERAS, NM 87059 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $649 | — | $649 | 15.00% |
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 | 884 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 887 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEW MEXICO | 884 | $286K |
| Vision | VISION SERVICE PLAN | 334 | $43K |
| Life insurance(7 contracts, 3 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 503 | $156K |
| Short-term disability(3 contracts) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 355 | $42K |
| Long-term disability(3 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 197 | $121K |
| Other(8 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 503 | $129K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 884 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.