| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STOP LOSS INSURANCE SERVICES, INC. | 6575 W. LOOP SOUTH SUITE 230 BELLAIRE, TX 77401 | NATIONAL UNION FIRE INSURANCE COMPANY OF PA | $12K | — | $12K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SOUTHWEST SERVICE ADMINISTRATORS EIN 86-0785790 NONE | Contract Administrator Service code 13 | 2300 BUENA VISTA SE STE 127 ALBUQUERQUE, NM 87106 | $129K |
| CIGNA HEALTH AND LIFE INSURANCE EIN 59-1031071 NONE | Claims processing; Investment management fees paid indirectly by plan; Float revenue; Other services; Participant communication; Direct payment from the plan; Non-monetary compensation; Contract Administrator; Named fiduciary Service code 12 | 400 N. BRAND BLVD. STE 300 GLENDALE, CA 91203 | $116K |
| RAEL & LETSON EIN 94-1707048 NONE | Consulting (pension); Actuarial Service code 11 | 2800 CAMPUS DRIVE, SUITE 150 SAN MATEO, CA 94403 | $54K |
| WALKER & VAN HEIJENOORT PC EIN 85-0369189 NONE | Legal Service code 29 | 4263 MONGOMERY BLVD NE #230A ALBUQUERQUE, NM 87109 | $37K |
| NATIXIS GLOBAL ASSET MANAGEMENT EIN 04-3274056 NONE | Investment management Service code 28 | 399 BOYLSTON ST BOSTON, MA 02116 | $33K |
| ULRICH CONSULTING GROUP EIN 45-3972125 NONE | Investment advisory (plan); Investment advisory (participants) Service code 26 | 1805 RIO GRANDE BLVD NW STE 1 ALBUQUERQUE, NM 87104 | $19K |
| PATIENTS CARE PARTNERSHIP EIN 86-1005647 NONE | Insurance agents and brokers; Insurance services Service code 22 | 3031 W NORTHERN AVE., STE 111 PHOENIX, AZ 85051 | $18K |
| UNITED CONCORDIA EIN 86-0307623 NONE | Insurance agents and brokers; Insurance services Service code 22 | 4775 INDIAN SCHOOL RD, 310 ALBUQUERQUE, NM 87110 | $18K |
| ENVISION PHARMACEUTICAL SERVICES EIN 05-0570786 NONE | Insurance services; Insurance agents and brokers Service code 22 | 2181 E. AURORA RD STE 201 TWINSBURG, OH 44087 | $16K |
| NEEDLES & ASSOCIATES LLC NONE | Accounting (including auditing) Service code 10 | 350 INTERCLOCKEN BLVD STE 220 BROOMFIELD, CO 80021 | $12K |
| BALDWIN & BALDWIN PLLC EIN 46-4370753 NONE | Accounting (including auditing) Service code 10 | 701 N 44TH STREET PHOENIX, AZ 85008 | $11K |
| CHUBB NONE | Insurance services Service code 23 | 15 MOUNTAIN VIEW ROAD WARREN, NJ 07059 | $10K |
| WORKERS ASSISTANCE PROGRAM EIN 74-1837991 NONE | Other services Service code 49 | 2525 WALLINGWOOD BUILDING 5 AUSTIN, TX 78746 | $10K |
| FIRST IMPRESSION INC NONE | Copying and duplicating Service code 36 | 3401 GIRARD BLVD NE ALBUQUERQUE, NM 87107 | $10K |
| BANK OF ALBUQUERQUE EIN 73-1373454 NONE | Custodial (securities) Service code 19 | 201 3RD ST. NW STE. 1400 ALBUQUERQUE, NM 87110 | $8K |
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 | 367 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 367 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 342 | $11K |
| Stop-loss / reinsurancereinsurance | NATIONAL UNION FIRE INSURANCE COMPANY OF PA | 493 | $233K |
| Other | THE UNION LABOR LIFE INSURANCE COMPANY | 342 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 493 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.