| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 1031 W 4TH AVE ANCHORAGE, AK 99501 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 6.12% |
| ANGELA MAY RAMIREZ3 | 850 N WESGLENN CIR #1 WASILLA, AK 99654 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $665 | $529 | $1K | 9.76% |
| MARSH & MCLENNAN AGENCY LLC3 | 1031 W 4TH AVE ANCHORAGE, AK 99501 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $627 | $16 | $643 | 5.26% |
| DAVID FRAZIER & ASSOCIATES3 Filed as: DAVID FRAZIER & ASSOCIATES INC | 2636 SHEPHERDIA DR ANCHORAGE, AK 99508 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $534 | $0 | $534 | 4.37% |
| FRANK THOMAS BAILEY3 | 3630 LOC SAULT AVE ANCHORAGE, AK 99516 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $154 | $285 | $439 | 3.59% |
| MEGAN ELIZABETH CASTO3 | 10340 CARNEY DR SE OLYMPIA, WA 98501 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $182 | $53 | $235 | 1.92% |
| JANEEN M BAILEY3 | 3630 LOC SAULT AVE ANCHORAGE, AK 99516 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $163 | $4 | $167 | 1.37% |
| ACRISURE LLC3 | 582 E 36TH AVE, STE 300 ANCHORAGE, AK 99503 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $40 | $27 | $67 | 0.55% |
| MELLONEASE KIRKSEY3 | 1664 CEDAR SPRINGS CT CLARKSVILLE, TN 37042 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $30 | $8 | $38 | 0.31% |
| RANDELL LYNN KRUSE3 | 2018 DAYTON CT SE RENTON, WA 98055 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $28 | $0 | $28 | 0.23% |
| BENEFITS BY DESIGN INC3 | 2101 NE 279TH ST RIDGEFIELD, WA 98642 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $23 | $0 | $23 | 0.19% |
| PAMELA WHITFIELD3 | 646 A AKOAKOA ST KAILUA, HI 96734 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $18 | $0 | $18 | 0.15% |
| LUANN E DAVIS3 | 325 N GRANT ST KENNEWICK, WA 99336 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $18 | $0 | $18 | 0.15% |
| MARY ANNE AADNESEN3 | 2204 CLIFF CT ANCHORAGE, AK 99517 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6 | $0 | $6 | 0.05% |
| ZACHAREE KEITH SIAHPUSH3 | 33 SE 71ST AVE PORTLAND, OR 97215 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.02% |
| ANGELA MAY RAMIREZ3 | 850 N. WESGLENN CIRCLE #1 WASILLA, AK 99654 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $297 | $187 | $484 | 7.54% |
| DAVID FRAZIER & ASSOCIATES3 Filed as: DAVID FRAZIER & ASSOCIATES INC | 2636 SHEPHERDIA DR ANCHORAGE, AK 99508 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $425 | $0 | $425 | 6.63% |
| MARSH & MCLENNAN AGENCY LLC3 | 1031 W 4TH AVE ANCHORAGE, AK 99501 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $179 | $6 | $185 | 2.88% |
| FRANK THOMAS BAILEY3 | 3630 LOC SAULT AVE ANCHORAGE, AK 99516 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $48 | $96 | $144 | 2.24% |
| MEGAN ELIZABETH CASTO3 | 10340 CARNEY DR SE OLYMPIA, WA 98501 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $65 | $18 | $83 | 1.29% |
| JANEEN M BAILEY3 | 3630 LOC SAULT AVE ANCHORAGE, AK 99516 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $50 | $1 | $51 | 0.80% |
| RANDELL LYNN KRUSE3 | 2018 DAYTON CT SE RENTON, WA 98055 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $33 | $0 | $33 | 0.51% |
| PAMELA WHITFIELD3 | 646 A AKOAKOA ST KAILUA, HI 96734 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $20 | $0 | $20 | 0.31% |
| LUANN E DAVIS3 | 325 N GRANT ST KENNEWICK, WA 99336 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $20 | $0 | $20 | 0.31% |
| NICHOLAS J WOOG3 Filed as: NICHOLAS J WONG | 4837 42ND AVENUE SOUTH SEATTLE, WA 98118 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.02% |
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 | 220 | 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) | 220 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 256 | $22K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 256 | $22K |
| Other(3 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 471 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 471 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.