| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 | 1325 4TH AVENUE, SUITE 1425 SEATTLE, WA 98101 | PREMERA BLUE CROSS BLUE SHIELD OF ALASKA, INC | $89K | $0 | $89K | 5.17% |
| ANGELA MAY RAMIREZ3 | 850 NORTH WESGLENN CIRCLE, SUITE 1 WASILLA, AK 99654 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $15K | $9K | $24K | 16.45% |
| KENT E. HASSE3 | 3030 RED OAK CIRCLE CHASKA, MN 55318 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $17K | $0 | $17K | 11.51% |
| FRANK THOMAS BAILEY3 | 3630 LOC SALT ANCHORAGE, AK 99516 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $6K | $8K | 5.74% |
| MEGAN ELIZABETH CASTO3 Filed as: MEGAN ELIZABETH CASTRO | HOME OFFICE COLUMBIA, SC 29202 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $1K | $4K | 2.71% |
| MELLONEASE KIRKSEY3 | 1664 CEDAR SPRINGS COURT CLARKSVILLE, TN 37042 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $1K | $4K | 2.58% |
| MJ INSURANCE3 Filed as: KUHL INSURANCE AND VARIOUS AGENTS | 2031 SHATTO DRIVE BELGRADE, MT 59714 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $788 | $220 | $1K | 0.70% |
| ELITE-VB LLC3 Filed as: ELITE VB LLC | 111 HEKILI STREET KAILUA, HI 96734 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $679 | $0 | $679 | 0.47% |
| HAYS COMPANIES, INC.3 | 1325 4TH AVENUE, SUITE 1425 SEATTLE, WA 98101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 13.88% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN INSURANCE AGENCY | 11220 ASSETT LOOP, SUITE 304 MANASSAS, VA 20109 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 11.67% |
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 |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | PREMERA BLUE CROSS BLUE SHIELD OF ALASKA, INC | 142 | $1.9M |
| Dental(2 contracts, 2 carriers) | PREMERA BLUE CROSS BLUE SHIELD OF ALASKA, INC | 142 | $1.9M |
| Vision(2 contracts, 2 carriers) | PREMERA BLUE CROSS BLUE SHIELD OF ALASKA, INC | 142 | $1.9M |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 146 | $158K |
| Short-term disability(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 146 | $158K |
| Prescription drug | PREMERA BLUE CROSS BLUE SHIELD OF ALASKA, INC | 142 | $1.7M |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 146 | $158K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 146 | — |
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.