| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SHARON MCMAHAN3 | 94 SHADY OAK TIJERAS, NM 87059 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $13K | — | $13K | 16.95% |
| COMPETITIVE BENEFITS3 | 6121 INDIAN SCHOOL RD 240 ALBUQUERQUE, NM 87110 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | — | $6K | 8.19% |
| CATHY FENNER3 | 6121 INDIAN SCHOOL RD 240 ALBUQUERQUE, NM 87110 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 5.61% |
| GPA3 | 12770 MERIT DRIVE DALLAS, TX 75251 | TOKIO MARINE HCC | $7K | $3K | $10K | 13.61% |
| SHARON MCMAHAN3 | 94 SHADY OAK TIJERAS, NM 87059 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8K | — | $8K | 13.03% |
| COMPETITIVE BENEFITS3 | 6121 INDIAN SCHOLL RD 240 ALBUQUERQUE, NM 87110 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 6.61% |
| CATHY FENNER3 | 6121 INDIAN SCHOLL RD 240 ALBUQUERQUE, NM 87110 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 4.71% |
| SHARON MCMAHAN3 | 94 SHADY OAK TIJERAS, NM 87059 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 15.00% |
| SHARON MCMAHAN3 | 94 SHADY OAK TIJERAS, NM 87059 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | — | $6K | 11.79% |
| CATHY FENNER3 | 6121 INDIAN SCHOOL RD 240 ALBUQUERQUE, NM 87110 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 7.72% |
| COMPETITIVE BENEFITS3 | 6121 INDIAN SCHOOL RD 240 ALBUQUERQUE, NM 87110 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $642 | — | $642 | 1.33% |
| SHARON MCMAHAN3 | 94 SHADY OAK TIJERAS, NM 87059 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 15.00% |
| SHARON MCMAHAN3 | 94 SHADY OAK TIJERAS, NM 87059 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 5.39% |
| CATHY FENNER3 | 6121 INDIAN SCHOOL NE 240 ALBUQUERQUE, NM 87110 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $696 | — | $696 | 2.96% |
| COMEPTITIVE BENEFITS3 | 6121 INDIAN SCHOOL NE 240 ALBUQUERQUE, NM 87110 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | $344 | $344 | 1.46% |
| SHARON MCMAHAN3 | 94 SHADY OAK TIJERAS, NM 87059 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 15.00% |
| SHARON MCMAHAN3 | 94 SHADY OAK TIJERAS, NM 87059 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $898 | — | $898 | 30.21% |
| COMPETITIVE BENEFITS3 | 6121 INDIAN SCHOOL RD 240 ALBUQUERQUE, NM 87110 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $735 | — | $735 | 24.72% |
| SHARON MCMAHAN3 | 94 SHADY OAK TIJERAS, NM 87059 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $629 | — | $629 | 25.46% |
| COMPETITIVE BENEFITS3 | 6121 INDIAN SCHOOL RD 240 ALBUQUERQUE, NM 87110 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $537 | — | $537 | 21.73% |
| SHARON MCMAHAN3 | 94 SHADY OAK TIJERAS, NM 87059 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $27 | — | $27 | 6.14% |
| COMPETITIVE BENEFITS3 | 6121 INDIAN SCHOOL RD 240 ALBUQUERQUE, NM 87110 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $23 | — | $23 | 5.23% |
| SHARON MCMAHAN3 | 94 SHADY OAK TIJERAS, NM 87059 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $166 | — | $166 | 86.91% |
| CATHY FENNER3 | 6121 INDIAN SCHOOL RD 240 ALBUQUERQUE, NM 87110 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $16 | — | $16 | 8.38% |
| COMPETITIVE BENEFITS3 | 6121 INDIAN SCHOOL RD 240 ALBUQUERQUE, NM 87110 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10 | — | $10 | 5.24% |
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 | 1,030 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,038 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEW MEXICO | 1,030 | $318K |
| Vision | VISION SERVICE PLAN | 425 | $47K |
| Life insurance(3 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 668 | $63K |
| Short-term disability(5 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 206 | $165K |
| Long-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 587 | $100K |
| Stop-loss / reinsurancereinsurance | SYMETRA | 455 | $323K |
| Other(4 contracts, 3 carriers) | TOKIO MARINE HCC | 668 | $91K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,030 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.