| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SHARON MCMAHAN3 | 94 SHADY OAK TIJERAS, NM 87059 | DELTA DENTAL OF NEW MEXICO | $11K | — | $11K | 2.75% |
| SHARON MCMAHAN3 | 94 SHADY OAK TIJERAS, NM 87059 | AMERICAN HERITAGE LIFE INSURANCE CO | $12K | — | $12K | 13.35% |
| COMPETITIVE BENEFITS3 | 6121 INDIAN SCHOOL RD ALBUQUERQUE, NM 87110 | AMERICAN HERITAGE LIFE INSURANCE CO | $9K | — | $9K | 9.43% |
| CATHY FENNER3 | 6121 INDIAN SCHOOL RD ALBUQUERQUE, NM 87110 | AMERICAN HERITAGE LIFE INSURANCE CO | $1K | — | $1K | 1.58% |
| SHARON MCMAHAN3 | 94 SHADY OAK TIJERAS, NM 87059 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | — | $13K | 15.00% |
| KATHY SUE ENOCHS3 Filed as: KATHY KNOCHS | 12770 MERIT DRIVE DALLAS, TX 75251 | TOKIO | $9K | — | $9K | 10.00% |
| IMAGINE 3603 | 12770 MERIT DRIVE DALLAS, TX 75251 | TOKIO | — | $3K | $3K | 3.60% |
| 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 | AMERICAN HERITAGE LIFE INSURANCE CO | $8K | — | $8K | 11.62% |
| COMPETITIVE BENEFITS3 | 6121 INDIAN SCHOOL RD SUITE 240 ALBUQUERQUE, NM 87110 | AMERICAN HERITAGE LIFE INSURANCE CO | $6K | — | $6K | 8.75% |
| CATHY FENNER3 | 6121 INDIAN SCHOOL RD SUITE 240 ALBUQUERQUE, NM 87110 | AMERICAN HERITAGE LIFE INSURANCE CO | $757 | — | $757 | 1.15% |
| SHARON MCMAHAN3 | 94 SHADY OAK TIJERAS, NM 87059 | AMERICAN HERITAGE LIFE INSURANCE CO | $10K | — | $10K | 27.09% |
| CATHY FENNER3 | 6121 INDIAN SCHOOL RD ALBUQUERQUE, NM 87110 | AMERICAN HERITAGE LIFE INSURANCE CO | $7K | — | $7K | 18.06% |
| COMPETITIVE BENEFITS3 | 6121 INDIAN SCHOOL RD ALBUQUERQUE, NM 87110 | AMERICAN HERITAGE LIFE INSURANCE CO | $993 | — | $993 | 2.70% |
| SHARON MCMAHAN3 | 94 SHADY OAK TIJERAS, NM 87059 | AMERICAN HERITAGE LIFE INSURANCE CO | $1K | — | $1K | 5.41% |
| COMPETITIVE BENEFITS3 | 6121 INDIAN SCHOOL RD ALBUQUERQUE, NM 87110 | AMERICAN HERITAGE LIFE INSURANCE CO | $793 | — | $793 | 3.41% |
| CATHY FENNER3 | 6121 INDIAN SCHOOL RD ALBUQUERQUE, NM 87110 | AMERICAN HERITAGE LIFE INSURANCE CO | $244 | — | $244 | 1.05% |
| SHARON MCMAHAN3 | 94 SHADY OAK TIJERAS, NM 87059 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 15.00% |
| SHARON MCMAHAN3 | 94 SHADY OAK TIJERAS, NM 87059 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $28K | $16K | $44K | 303.11% |
| SHARON MCMAHAN3 | 94 SHADY OAK TIJERAS, NM 87059 | AMERICAN HERITAGE LIFE INSURANCE CO | $217 | — | $217 | 5.39% |
| COMPETITIVE BENEFITS3 | 6121 INDIAN SCHOOL RD ALBUQUERQUE, NM 87110 | AMERICAN HERITAGE LIFE INSURANCE CO | $185 | — | $185 | 4.60% |
| SHARON MCMAHAN3 | 94 SHADY OAK TIJERAS, NM 87059 | AMERICAN HERITAGE LIFE INSURANCE CO | $39 | — | $39 | 5.39% |
| COMPETITIVE BENEFITS3 | 6121 INDIAN SCHOOL RD SUITE 280 ALBUQUERQUE, NM 87110 | AMERICAN HERITAGE LIFE INSURANCE CO | $33 | — | $33 | 4.56% |
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 | 1,136 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEW MEXICO | 1,136 | $391K |
| Vision | VISION SERVICE PLAN | 493 | $57K |
| Life insurance(4 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 652 | $127K |
| Short-term disability(6 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE CO | 652 | $169K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 244 | $87K |
| Stop-loss / reinsurancereinsurance | SYMETRA | 505 | $334K |
| Other(3 contracts, 3 carriers) | TOKIO | 608 | $127K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,136 | — |
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.