| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FORUM BENEFITS INC3 Filed as: FORUM BENEFITS | — | CIGNA | $42K | $11K | $53K | 9.45% |
| BRIAN P STRITT Filed as: BRIAN P. STRITT | 312 WEST PRENTISS AVENUE GREENVILLE, SC 29605 | GUARDIAN | $54K | — | $54K | 15.30% |
| FORUM BENEFITS INC3 | — | GUARDIAN | — | $7K | $7K | 1.89% |
| ELITE-VB LLC3 | 341 W. TUDOR ROAD ANCHORAGE, AK 99503 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $29 | $1K | 11.73% |
| HOWARD HOROWITZ3 | 2610 ALCOTT ST. CARMEL, IN 46032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $228 | $89 | $317 | 3.52% |
| PICKERING FINANCIAL SERVICES INC3 | 341 TUDOR RD ANCHORAGE, AK 99501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $90 | — | $90 | 1.00% |
| CHRISTINE LYNN MORGESTER3 | 14913 S SUNTERRA LOOP OREGON CITY, OR 97045 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $56 | — | $56 | 0.62% |
| CASSANDRA JOSEY Filed as: CASSANDRA JOSY | 1132 E 14TH AVE ANCHORAGE, AK 99501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.17% |
| PREMIER WORKSITE SOLUTIONS INC3 | 112 NW 114TH ST. VANCOUVER, WA 98685 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $8 | $15 | 0.17% |
| KAREN MARIE FLANAGAN3 | PO BOX 871614 WASILLA, AK 99687 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.09% |
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 | 142 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA | 143 | $563K |
| Dental | GUARDIAN | 161 | $353K |
| Vision | GUARDIAN | 161 | $353K |
| Life insurance | GUARDIAN | 161 | $353K |
| Short-term disability | GUARDIAN | 161 | $353K |
| Long-term disability | GUARDIAN | 161 | $353K |
| Prescription drug | CIGNA | 143 | $563K |
| Other(2 contracts, 2 carriers) | GUARDIAN | 161 | $362K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 161 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.