| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANGELA MAY RAMIREZ3 | 850 NORTH WESGLENN CIRCLE #1 WASILLA, AK 99654 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10K | $3K | $12K | 12.14% |
| KENT E. HASSE3 Filed as: KENT E HASSE | 3030 RED OAK CIR CHASKA, MN 55318 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9K | $0 | $9K | 8.62% |
| WHITFIELD BENEFIT SOLUTIONS3 | 341 W. TUDOR ROAD ANCHORAGE, AK 99503 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $985 | $3K | 3.41% |
| KAREN MARIE FLANAGAN3 | PO BOX 871614 WASILLA, AK 99687 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $808 | $5 | $813 | 0.79% |
| JOHN WINSTON CUNNINGHAM3 | 8530 E 11TH CT ANCHORAGE, AK 99504 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $465 | $284 | $749 | 0.73% |
| BETH MATHIAS-KUHL3 | 2031 SHATTO DRIVE BELGRADE, MT 59714 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $329 | $11 | $340 | 0.33% |
| PICKERING FINANCIAL SERVICES INC3 | 341 WEST TUDOR RD ANCHORAGE, AK 99503 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $176 | $10 | $186 | 0.18% |
| KARI LEE3 | 1345 MEDFRA ST APT C ANCHORAGE, AK 99501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $138 | $0 | $138 | 0.13% |
| QUIN ANTONIO WALKER3 | 804 N HOYT ST ANCHORAGE, AK 99508 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $75 | $0 | $75 | 0.07% |
| MEGAN ELIZABETH CASTO3 | 10340 CARNEY DRIVE SE OLYMPIA, WA 98501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $71 | $0 | $71 | 0.07% |
| LINDA RODEHEAVER TROUTMAN3 | 12755 BIRCH ROAD ANCHORAGE, AK 99516 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $70 | $0 | $70 | 0.07% |
| FRANK THOMAS BAILEY3 | 3630 LOC SAULT ANCHORAGE, AK 99516 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | $34 | $50 | 0.05% |
| JOSEPH MAYO JOYNER3 | 4451 CORDOVA STREET ANCHORAGE, AK 99503 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | $0 | $24 | 0.02% |
| DAWN T SUCHECKI3 Filed as: DAWN RENEE MORGAN | 6413 DUNMOOR DR PLANO, TX 75093 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | $2 | $18 | 0.02% |
| MAXIMUM BENEFIT SOLUTIONS LLC3 | 2001 ROSEN DRIVE FORT COLLINS, CO 80528 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $0 | $9 | 0.01% |
| FOREVER EMPLOYER LTD3 | 2001 ROSEN DRIVE FORT COLLINS, CO 80528 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $0 | $7 | 0.01% |
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 | 109 | 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) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 109 | $103K |
| Vision | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 109 | $103K |
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 109 | $103K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 109 | $103K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 109 | $103K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 109 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.