| 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 | 3.28% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1420 5TH AVENUE, SUITE 1500 SEATTLE, WA 98101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $2K | $11K | 11.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1420 5TH AVENUE, SUITE 1500 SEATTLE, WA 98101 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $103 | $1K | 4.04% |
| PAMELA WHITFIELD3 | 646 A AKOAKOA STREET KAILUA, HI 96734 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $661 | $0 | $661 | 2.01% |
| ANGELA MAY RAMIREZ3 | 850 NORTH WESGLENN CIRCLE, SUITE 1 WASILLA, AK 99654 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $417 | $73 | $490 | 1.49% |
| MELLONEASE KIRKSEY3 | 1664 CEDAR SPRINGS COURT CLARKSVILLE, TN 37042 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $243 | $47 | $290 | 0.88% |
| MEGAN ELIZABETH CASTO3 | 10340 CARNEY DRIVE SE OLYMPIA, WA 98501 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $207 | $49 | $256 | 0.78% |
| MJ INSURANCE3 Filed as: ZACHAREE SIAPUSH AND VARIOUS AGENTS | 33 SE 71ST AVENUE PORTLAND, OR 97215 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $189 | $7 | $196 | 0.60% |
| FRANK THOMAS BAILEY3 | 3630 LOC SAULT AVENUE ANCHORAGE, AK 99516 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $102 | $68 | $170 | 0.52% |
| ALLIANT INSURANCE SERVICES, INC.3 | PO BOX 8299 PASADENA, CA 91109 | VISION SERVICE PLAN | $777 | — | $777 | 3.00% |
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 | 183 | 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) | 183 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | OREGON DENTAL SERVICE DBA DELTA DENTAL PLAN OF OREGON | 290 | $146K |
| Vision | VISION SERVICE PLAN | 137 | $26K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 183 | $100K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 26 | $33K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 183 | $100K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 183 | $133K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 290 | — |
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.