| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NORTHWEST | 601 UNION STREET, SUITE 1000 SEATTLE, WA 98101 | PREMERA BLUE CROSS BLUE SHIELD OF ALASKA, INC | $55K | $0 | $55K | 3.03% |
| HAYS COMPANIES, INC.3 | 1325 4TH AVENUE, SUITE 1425 SEATTLE, WA 98101 | PREMERA BLUE CROSS BLUE SHIELD OF ALASKA, INC | $39K | $0 | $39K | 2.15% |
| ANGELA MAY RAMIREZ3 | 850 NORTH WESGLENN CIRCLE, SUITE 1 WASILLA, AK 99654 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $10K | $5K | $15K | 10.48% |
| KENT E. HASSE3 | 3030 RED OAK CIRCLE CHASKA, MN 55318 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $12K | $0 | $12K | 8.26% |
| FRANK THOMAS BAILEY3 | 3630 LOC SALT ANCHORAGE, AK 99516 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $3K | $4K | 2.83% |
| MEGAN ELIZABETH CASTO3 | UNKNOWN COLUMBIA, SC 29202 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $951 | $3K | 2.11% |
| JEFFREY M PROMISH3 | PO BOX 90393 ANCHORAGE, AK 99509 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 0.93% |
| ELITE-VB LLC3 Filed as: ELITE-VB, LLC AND OTHER AGENTS | 111 HEKILI STREET KAILUA, HI 96734 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $976 | $78 | $1K | 0.74% |
| KUHL INSURANCE INC3 Filed as: KUHL INSURANCE, INC. | 2031 SHATTO DRIVE BELGRADE, MT 59714 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $722 | $0 | $722 | 0.50% |
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 | 186 | 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) | 186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PREMERA BLUE CROSS BLUE SHIELD OF ALASKA, INC | 179 | $1.8M |
| Dental(2 contracts, 2 carriers) | PREMERA BLUE CROSS BLUE SHIELD OF ALASKA, INC | 179 | $1.9M |
| Vision(2 contracts, 2 carriers) | PREMERA BLUE CROSS BLUE SHIELD OF ALASKA, INC | 179 | $1.9M |
| Life insurance | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 117 | $143K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 117 | $143K |
| Prescription drug | PREMERA BLUE CROSS BLUE SHIELD OF ALASKA, INC | 179 | $1.8M |
| Other | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 117 | $143K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 179 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.