| 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 OREGON | $5K | $0 | $5K | 2.99% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1420 5TH AVENUE, SUITE 1500 SEATTLE, WA 98101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $2K | $11K | 12.00% |
| ANGELA MAY RAMIREZ3 Filed as: ANGELA RAMIREZ | 850 NORTH WESGLEN CIRCLE, UNIT 1 WASILLA, AK 99654 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $1K | $3K | 6.52% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1420 5TH AVENUE, SUITE 1500 SEATTLE, WA 98101 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $721 | $2K | 5.22% |
| FRANK THOMAS BAILEY3 Filed as: FRANK BAILEY | 3630 LOC SALT ANCHORAGE, AK 99516 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $301 | $754 | $1K | 2.41% |
| MEGAN ELIZABETH CASTO3 Filed as: MEGAN CASTO | UNKNOWN COLUMBIA, SC 29202 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $648 | $306 | $954 | 2.18% |
| MJ INSURANCE3 Filed as: ELITE VB LLC AND VARIOUS AGENTS | 111 HEKII STREET KAILUA, HI 96734 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $791 | $13 | $804 | 1.84% |
| ZACHAREE KEITH SIAHPUSH3 Filed as: ZACHAREE SIAHPUSH | 4412 RENTON AVENUE SOUTH SEARRLE, WA 98108 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $496 | $88 | $584 | 1.34% |
| PAMELA WHITFIELD3 | 111 HEKLII STREET KAILUA, HI 96734 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $426 | $0 | $426 | 0.97% |
| ALLIANT INSURANCE SERVICES, INC.3 | PO BOX 8299 PASADENA, CA 91109 | VISION SERVICE PLAN | $805 | $0 | $805 | 3.01% |
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. |
| 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) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | OREGON DENTAL SERVICE DBA DELTA DENTAL PLAN OF OREGON | 296 | $159K |
| Vision | VISION SERVICE PLAN | 146 | $27K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 152 | $92K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 37 | $44K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 152 | $92K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 167 | $139K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 296 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.