| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AXCESS FINANCIAL GROUP3 Filed as: AXCESS FINANCIAL INC | 6605 UPTOWN BLVD NE STE 330 ALBUQUERQUE, NM 87110 | BLUECROSS BLUESHIELD OF NEW MEXICO | $33K | — | $33K | 3.87% |
| DON CHALMERS INS SERVICES INC3 | 2500 RIO RANCHO BLVD SE RIO RANCHO, NM 87124 | ALLSTATE LIFE INSURANCE COMPANY | $3K | — | $3K | 3.38% |
| JEFF A FORBES3 Filed as: JEFF FORBES | 1007 BLOOMDALE LAS CRUCES, NM 88005 | ALLSTATE LIFE INSURANCE COMPANY | $2K | — | $2K | 2.93% |
| JAMIE COX3 | 6605 UPTOWN BLVD NE STE 330 ALBUQUERQUE, NM 87110 | ALLSTATE LIFE INSURANCE COMPANY | $2K | — | $2K | 2.14% |
| AXCESS FINANCIAL GROUP3 Filed as: AXCESS FINANCIAL INC | 6605 UPTOWN BLVD NE STE 330 ALBUQUERQUE, NM 87110 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $682 | $3K | 8.25% |
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 | 190 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF NEW MEXICO | 190 | $844K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 166 | $34K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 166 | $34K |
| Life insurance(2 contracts, 2 carriers) | ALLSTATE LIFE INSURANCE COMPANY | 166 | $118K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 166 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 190 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.