| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 | PO BOX 1788 GRAND RAPIDS, MI 49501 | VISION SERVICE PLAN | $930 | — | $930 | 6.32% |
| GROUP BENEFITS LTD3 | 12006 RIDGEMONT DR URBANDALE, IA 50323 | VISION SERVICE PLAN | $746 | — | $746 | 5.07% |
| ACRISURE LLC3 | 500 WEST 36TH AVE STE 310 ANCHORAGE, AK 99503 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $196 | $44 | $240 | 4.65% |
| MORETON & COMPANY3 Filed as: FRED A MORETON & COMPANY | PO BOX 58139 SALT LAKE CITY, UT 84158 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $81 | — | $81 | 1.57% |
| ANGELA MAY RAMIREZ3 | 850 NORTH WESGLENN CIRCLE #1 WASILLA, AK 99654 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $57 | $23 | $80 | 1.55% |
| CYRUS PINDER3 | 2375 CHINOOK AVE ANCHORAGE, AK 99516 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $61 | — | $61 | 1.18% |
| MARY BROOK FORD-PRITCHETT3 | 2108 N HARRISON BLVD BOISE, ID 83702 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $50 | — | $50 | 0.97% |
| MEGAN ELIZABETH CASTO3 | HOME OFFICE COLUMBIA, SC 29202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $34 | $13 | $47 | 0.91% |
| ELITE-VB LLC3 | 111 HEKILI ST KAILUA, HI 96734 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $34 | — | $34 | 0.66% |
| FRANK THOMAS BAILEY3 | 3630 LOC SALT ANCHORAGE, AK 99516 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $22 | $32 | 0.62% |
| JANEEN M BAILEY3 | 2900 BONIFACE PKWY STE 210 ANCHORAGE, AK 99504 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | $1 | $28 | 0.54% |
| DENISE A MAXWELL3 | 3501 W TORANA DR MERIDIAN, ID 83646 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | — | $25 | 0.48% |
| ZINA OSTER3 | 3153 FOREST DR CHEYENNE, WY 82001 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.23% |
| RICH IN BENEFITS INC3 | 13109 NE 123RD ST KIRKLAND, WA 98034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $2 | $5 | 0.10% |
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 | 115 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 77 | $15K |
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 5 | $5K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 5 | $5K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 5 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 77 | — |
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.