| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK INSURANCES SERVICES WEST | 6501 AMERICAS PARKWAY NE ALBUQUERQUE, NM 87110 | DELTA DENTAL OF NEW MEXICO | $3K | — | $3K | 5.30% |
| AON CONSULTING INC3 Filed as: AON RISK SOLUTIONS | 6501 AMERICAS PARKWAY NE ALBUQUERQUE, NM 87110 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $40K | $40K | 100.00% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES | PO BOX 19640 IRVINE, NM 92623 | LIFE INSURANCE COMPANY OF AMERICA | — | $54 | $54 | 0.21% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES | PO BOX 19640 IRVINE, NM 92623 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $146 | $146 | 0.76% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES | PO BOX 19640 IRVINE, NM 92623 | LIFE INSURANCE COMPANY OF AMERICA | — | $114 | $114 | 1.11% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES WEST | PO BOX 19640 IRVINE, CA 926239640 | METROPOLITAN LIFE INSURANCE COMPANY | — | $102 | $102 | 1.12% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES WEST | PO BOX 19640 IRVINE, CA 926409640 | METROPOLITAN LIFE INSURANCE COMPANY | — | $95 | $95 | 1.04% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES | PO BOX 19640 IRVINE, NM 92623 | LIFE INSURANCE COMPANY OF AMERICA | — | $41 | $41 | 0.45% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES | PO BOX 19640 IRVINE, CA 92640 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $306 | — | $306 | 5.00% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES | PO BOX 19640 IRVINE, CA 92640 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 100.00% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES | PO BOX 19640 IRVINE, NM 92623 | LIFE INSURANCE COMPANY OF AMERICA | — | $37 | $37 | 0.83% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES | PO BOX 19640 IRVINE, NM 92623 | LIFE INSURANCE COMPANY OF AMERICA | — | $3 | $3 | 0.09% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES | PO BOX 19640 IRVINE, NM 92623 | LIFE INSURANCE COMPANY OF AMERICA | — | $7 | $7 | 1.03% |
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 | 291 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 292 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 118 | $40K |
| Dental | DELTA DENTAL OF NEW MEXICO | 239 | $62K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 217 | $9K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 175 | $29K |
| Short-term disability(2 contracts) | LIFE INSURANCE COMPANY OF AMERICA | 54 | $31K |
| Long-term disability | LIFE INSURANCE COMPANY OF AMERICA | 54 | $9K |
| Other(4 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 106 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 239 | — |
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.