| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SHARON MCMAHAN3 | 94 SHADY OAK TIJERAS, NM 87059 | DELTA DENTAL OF NEW MEXICO | $9K | — | $9K | 2.76% |
| SHARON MCMAHAN3 | 94 SHADY OAK TIJERAS, NM 87059 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $14K | — | $14K | 13.27% |
| COMPETITIVE BENEFITS3 | 6121 INDIAN SCHOOL RD NE ALBUQUERQUE, NM 87110 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10K | — | $10K | 9.16% |
| CATHY FENNER3 | 6121 INDIAN SCHOOL RD NE ALBUQUERQUE, NM 87110 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 1.78% |
| SHARON MCMAHAN3 | 94 SHADY OAK TIJERAS, NM 87059 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9K | — | $9K | 11.05% |
| COMPETITIVE BENEFITS3 | 6121 INDIAN SCHOOL RD ABQ, NM 87110 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | — | $6K | 7.40% |
| CATHY FENNER3 | 6121 INDIAN SCHOOL ALBUQUERQUE, NM 87110 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 2.01% |
| IMAGINE3603 | 12770 MERIT DR SUITE 720 DALLAS, TX 75251 | TOKIC MARINE HCC | $8K | $3K | $11K | 13.60% |
| SHARON MCMAHAN3 | 94 SHADY OAK TIJERAS, NM 87059 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | — | $11K | 15.00% |
| SHARON MCMAHAN3 | 94 SHADY OAK TIJERAS, NM 87059 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | — | $9K | 13.48% |
| SHARON MCMAHAN3 | 94 SHADY OAK TIJERAS, NM 87059 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 6.74% |
| CATHY FENNER3 | 6121 INDIAN SCHOOL RD ALBUQUERQUE, NM 87110 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 4.48% |
| COMPETITIVE BENEFITS3 | 6121 INDIAN SCHOOL RD ALBUQUERQUE, NM 87110 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $371 | — | $371 | 0.93% |
| SHARON MCMAHAN3 | 94 SHADY OAK TIJERAS, NM 87059 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 5.39% |
| CATHY FENNER3 | 6121 INDIAN SCHOOL ALBUQUERQUE, NM 87110 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $673 | — | $673 | 2.42% |
| COMPETITIVE BENEFITS3 | 6121 INDIAN SCHOOL ALBUQUERQUE, NM 87110 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $561 | — | $561 | 2.01% |
| 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 | $392 | — | $392 | 7.39% |
| COMPETITIVE BENEFITS3 | 6121 INDIAN SCHOOL RD ALBUQUERQUE, NM 87110 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $330 | — | $330 | 6.22% |
| SHARON MCMAHAN3 | 94 SHADY OAK TIJERAS, NM 87059 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $242 | — | $242 | 10.73% |
| COMPETITIVE BENEFITS3 | 6121 INDIAN SCHOOL RD ALBUQUERQUE, NM 87110 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $206 | — | $206 | 9.14% |
| SHARON MCMAHAN3 | 94 SHADY OAK TIJERAS, NM 87059 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6 | — | $6 | 5.26% |
| COMPETITIVE BENEFITS3 | 6121 INDIAN SCHOOL RD ALBUQUERQUE, NM 87110 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5 | — | $5 | 4.39% |
| SHARON MCMAHAN3 | 94 SHADY OAK TIJERAS, NM 87059 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10 | — | $10 | 19.23% |
| CATHY FENNER3 | 6121 INDIAN SCHOOL RD ALBUQUERQUE, NM 87110 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6 | — | $6 | 11.54% |
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 | 1,055 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,056 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEW MEXICO | 1,055 | $336K |
| Vision | VISION SERVICE PLAN | 430 | $52K |
| Life insurance(3 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 746 | $54K |
| Short-term disability(4 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 201 | $192K |
| Long-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 746 | $141K |
| Stop-loss / reinsurancereinsurance | SYMETRA | 463 | $408K |
| Other(5 contracts, 3 carriers) | TOKIC MARINE HCC | 613 | $127K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,055 | — |
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.