| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 1420 5TH AVENUE, SUITE 1500 SEATTLE, WA 98101 | OREGON DENTAL SERVICE DBA DELTA DENTAL PLAN OF OR AND AK | $7K | $0 | $7K | 5.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1420 5TH AVENUE, SUITE 1500 SEATTLE, WA 98101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $2K | $9K | 11.02% |
| WHITFIELD BENEFIT SOLUTIONS3 | 341 WEST TUDOR ROAD ANCHORAGE, AK 99503 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $132 | $2K | 4.33% |
| ANGELA MAY RAMIREZ3 | 850 NORTH WESGLENN CIRCLE, SUITE 1 WASILLA, AK 99654 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $759 | $321 | $1K | 2.03% |
| KAREN MARIE FLANAGAN3 | PO BOX 871614 WASILLA, AK 99687 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $578 | $0 | $578 | 1.09% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1420 5TH AVENUE, SUITE 1500 SEATTLE, WA 98101 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $466 | $9 | $475 | 0.89% |
| CYRUS PINDER3 | 2375 CHINOOK AVENUE ANCHORAGE, AK 99516 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $178 | $10 | $188 | 0.35% |
| MJ INSURANCE3 Filed as: MARY A. AADNESEN AND VARIOUS AGENTS | 2204 CLIFF COURT ANCHORAGE, AK 99517 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $93 | $0 | $93 | 0.17% |
| FRANK THOMAS BAILEY3 | 2900 BONIFACE PARKWAY ANCHORAGE, AK 99504 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $16 | $29 | $45 | 0.08% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.38% |
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 | 146 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | OREGON DENTAL SERVICE DBA DELTA DENTAL PLAN OF OR AND AK | 264 | $147K |
| Vision | VISION SERVICE PLAN | 133 | $24K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 146 | $86K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 43 | $53K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 146 | $86K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 146 | $141K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 264 | — |
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.