Form 5500 · Employee benefit plan · ALBUQUERQUE, NM
NATIONAL TECHNOLOGY & ENGINEERING SOLUTIONS OF SANDIA, LLC
The filing calls this plan NTESS HEALTH AND WELFARE BENEFITS PLAN FOR ACTIVE EMPLOYEES.
Public Form 5500 records show how NATIONAL TECHNOLOGY & ENGINEERING SOLUTIONS OF SANDIA, LLC of ALBUQUERQUE, NM, a professional services employer, structures its employee benefits. Its broker of record is EMPOWER BENEFITS, INC.. Coverage is written through METROPOLITAN LIFE INSURANCE COMPANY and 5 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 85-0097942 · plan 540 · plan year 2024, filed Oct 14, 2025
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174 other employer plans in New Mexico have policy years ending in December. See the full list on the renewal calendar, or ask for it in Claude or ChatGPT.
How this plan is funded
Both, as reported
The medical insurance contracts on the filing cover fewer than half the people in the plan, so the rest is paid another way.
A stop-loss policy appears on a Form 5500 only when the plan itself is the beneficiary, or the premiums are paid from plan money. Many employers buy stop-loss and never report it here. So a plan with no stop-loss on its filing may still have it.
Benefits declared on this filing
Dental: HMSA BLUE CROSS/BLUE SHIELD covers 13 of 16,962 participants (under 0.1%) on Schedule A.
Vision: HMSA BLUE CROSS/BLUE SHIELD covers 13 of 16,962 participants (under 0.1%) on Schedule A.
Also declared: prepaid legal, death benefits.
Declared benefits are the plan’s own line 8b codes on Form 5500. “Not on Schedule A” means no insured contract for that line appears on this filing. That usually means the benefit is self-funded, or it sits under a different plan number.
Where a line has more than one insured contract, the carrier and the covered figure are the largest contract's by premium. The contracts are not added up: a pharmacy carve-out and the medical carrier beside it cover the same people.
Persons covered is the count the carrier filed for that policy at the end of its policy year, and it can include dependents. Participants is the plan's own count at the start of its plan year. The two count different people, so a covered figure can be larger.
Plan brief
Schedule A lists 14 insured contracts covering health, dental, vision, life and disability; the largest, with METROPOLITAN LIFE INSURANCE COMPANY, covers 6,232 people.
Reported premium across the insured contracts is $16,542,737, with $509,246 in disclosed broker commissions — about 3.1% of premium.
The most recent policy period ended in December, and the plan year ends December 31. Group contracts typically renew on that annual cycle.
EMPOWER BENEFITS, INC. is the broker of record on 4 of the 14 contracts; the rest name a different broker or none.
6 carriers appear on the filing, including METROPOLITAN LIFE INSURANCE COMPANY, PRUDENTIAL INSURANCE COMPANY OF AMERICA, ARAG INSURANCE COMPANY and ALLSTATE - AMERICAN HERITAGE LIFE INSURANCE COMPANY. METROPOLITAN LIFE INSURANCE COMPANY writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| ALLSTATE - AMERICAN HERITAGE LIFE INSURANCE COMPANY | Disability | 942 | Jan 1, 2025 | $208,151 | $123,852 |
| METROPOLITAN LIFE INSURANCE COMPANY | Health | 2,128 | Jan 1, 2025 | $546,692 | $108,054 |
| METROPOLITAN LIFE INSURANCE COMPANY | Life | 6,232 | Jan 1, 2025 | $8,133,153 | $65,597 |
| ALLSTATE - AMERICAN HERITAGE LIFE INSURANCE COMPANY | Disability | 539 | Jan 1, 2025 | $272,823 | $53,087 |
| METROPOLITAN LIFE INSURANCE COMPANY | Health | 2,786 | Jan 1, 2025 | $240,713 | $47,082 |
| ARAG INSURANCE COMPANY | — | 3,148 | Jan 1, 2025 | $412,516 | $41,252 |
| AXIS INSURANCE COMPANY | — | 15,796 | Jan 1, 2025 | $164,678 | $41,170 |
| METROPOLITAN LIFE INSURANCE COMPANY | Health | 1,177 | Jan 1, 2025 | $161,266 | $18,356 |
| AXIS INSURANCE COMPANY | — | 966 | Jan 1, 2025 | $23,740 | $5,935 |
| METROPOLITAN LIFE INSURANCE COMPANY | — | 4,925 | Jan 1, 2025 | $423,497 | $3,260 |
| METROPOLITAN LIFE INSURANCE COMPANY | Life | 5,312 | Jan 1, 2025 | $206,723 | $1,601 |
| METROPOLITAN LIFE INSURANCE COMPANY | Disability | 18,246 | Jan 1, 2025 | $3,445,512 | $0 |
| PRUDENTIAL INSURANCE COMPANY OF AMERICA | Life | 15,650 | Jan 1, 2025 | $2,218,662 | $0 |
| HMSA BLUE CROSS/BLUE SHIELD | Health, Dental, Vision | 13 | Jan 1, 2025 | $84,611 | $0 |
Premium and claims on this contract
PRUDENTIAL INSURANCE COMPANY OF AMERICA, contract 90373-1. For the contract year on this filing, the carrier reported $2,218,662 in premium earned and $1,985,414 in claims incurred. Dividing one by the other gives 89%.
- PRUDENTIAL INSURANCE COMPANY OF AMERICA, contract 90373-1 reported $233,248 in retention.
Retention is what the carrier kept of the premium after claims, as reported: administration, commissions and other charges.
Only experience-rated contracts report these figures, so most filings leave them blank.
Covered = persons covered at policy year end, as filed on Schedule A for that policy — often certificates or one class, not the whole plan. Premium = the filing’s own premium/charges figure; “—” means not credibly reported.
Administrator and service providers
The plan administrator is from line 3a of the main form. We publish company names only.
Other plans filed by this employer
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