| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE, LLC DBA RISQ CONSULTING | 3111 C STREET, SUITE 500 ANCHORAGE, AK 99503 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $0 | $7K | 8.56% |
| FRANK THOMAS BAILEY3 | 2900 BONIFACE PARKWAY ANCHORAGE, AK 99504 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $3K | $4K | 22.60% |
| ANGELA MAY RAMIREZ3 | 850 NORTH WESGLENN CIRCLE, SUITE 1 WASILLA, AK 99654 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $997 | $3K | 18.28% |
| ACRISURE LLC3 | 500 WEST 36TH AVENUE, SUITE 310 ANCHORAGE, AK 99503 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $40 | $2K | 11.01% |
| SIERRA ROSE MCROBERTS3 | PO BOX 870682 WASILLA, AK 99687 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $552 | $1K | $2K | 9.34% |
| MJ INSURANCE3 Filed as: TERRI JERUE AND VARIOUS AGENTS | 5531 SAPPHIRE LOOP, SUITE 5B ANCHORAGE, AK 99504 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $348 | $1K | $1K | 7.80% |
| MEGAN ELIZABETH CASTO3 | 10340 CARNEY DRIVE SE OLYMPIA, WA 98501 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $721 | $465 | $1K | 6.31% |
| KAREN MARIE FLANAGAN3 | PO BOX 871614 WASILLA, AK 99687 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $3 | $1K | 6.15% |
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 | 143 | 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) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 143 | $96K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 11 | $19K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 143 | $77K |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 143 | $96K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 143 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.