| 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 | 5.64% |
| ANGELA MAY RAMIREZ3 | 850 N WESGLENN CIR #3 WASILLA, AK 99654 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $520 | $565 | $1K | 10.46% |
| DAVID FRAZIER & ASSOCIATES3 Filed as: DAVID FRAZIER & ASSOCIATES INC | 2636 SHEPHERDIA DR ANCHORAGE, AK 99508 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $619 | $0 | $619 | 5.97% |
| FRANK THOMAS BAILEY3 | 3630 LOC SAULT AVE ANCHORAGE, AK 99516 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $119 | $459 | $578 | 5.57% |
| MARSH & MCLENNAN AGENCY LLC3 | 1031 W 4TH AVE ANCHORAGE, AK 99501 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $287 | $53 | $340 | 3.28% |
| MEGAN ELIZABETH CASTO3 | 10340 CARNEY DR SE OLYMPIA, WA 98501 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $155 | $80 | $235 | 2.27% |
| JANEEN M BAILEY3 | 3630 LOC SAULT AVE ANCHORAGE, AK 99516 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $112 | $14 | $126 | 1.21% |
| NICHOLAS J WOOG3 | 5510 SEWARD PARK AVE S SEATTLE, WA 98118 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $56 | $13 | $69 | 0.67% |
| RANDELL LYNN KRUSE3 | 2018 DAYTON CT SE RENTON, WA 98055 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $28 | $0 | $28 | 0.27% |
| BENEFITS BY DESIGN INC3 | 2101 NE 279TH ST RIDGEFIELD, WA 98642 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $23 | $0 | $23 | 0.22% |
| PAMELA WHITFIELD3 | 111 HEKILI ST KAILUA, HI 96734 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $18 | $0 | $18 | 0.17% |
| LUANN E DAVIS3 | 325 N GRANT ST KENNEWICK, WA 99336 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $18 | $0 | $18 | 0.17% |
| MARY ANNE AADNESEN3 | 2204 CLIFF CT ANCHORAGE, AK 99517 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6 | $0 | $6 | 0.06% |
| CYRUS PINDER3 | 5318 MARIA CT ANCHORAGE, AK 99508 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5 | $0 | $5 | 0.05% |
| KAREN MARIE FLANAGAN3 | PO BOX 871614 WASILLA, AK 99687 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.04% |
| ZACHAREE KEITH SIAHPUSH3 | 6727 MLK JR WAY S STE M SEATTLE, WA 98118 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.04% |
| DAVID FRAZIER & ASSOCIATES3 Filed as: DAVID FRAZIER & ASSOCIATES INC | 2636 SHEPHERDIA DR ANCHORAGE, AK 99508 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $425 | $0 | $425 | 8.03% |
| ANGELA MAY RAMIREZ3 | 850 N. WESGLENN CIRCLE #1 WASILLA, AK 99654 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $121 | $5 | $126 | 2.38% |
| NICHOLAS J WOOG3 Filed as: NICHOLAS J WONG | 5510 SEWARD PARK AVE S SEATTLE, WA 98118 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $42 | $10 | $52 | 0.98% |
| MEGAN ELIZABETH CASTO3 | 10340 CARNEY DR SE OLYMPIA, WA 98501 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $25 | $9 | $34 | 0.64% |
| MARSH & MCLENNAN AGENCY LLC3 | 1031 W 4TH AVE ANCHORAGE, AK 99501 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $28 | $5 | $33 | 0.62% |
| RANDELL LYNN KRUSE3 | 2018 DAYTON CT SE RENTON, WA 98055 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $33 | $0 | $33 | 0.62% |
| FRANK THOMAS BAILEY3 | 3630 LOC SAULT AVE ANCHORAGE, AK 99516 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $10 | $17 | $27 | 0.51% |
| PAMELA WHITFIELD3 | 111 HEKILI ST KAILUA, HI 96734 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $20 | $0 | $20 | 0.38% |
| LUANN E DAVIS3 | 325 N GRANT ST KENNEWICK, WA 99336 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $20 | $0 | $20 | 0.38% |
| JANEEN M BAILEY3 | 3630 LOC SAULT AVE ANCHORAGE, AK 99516 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $10 | $1 | $11 | 0.21% |
| KAREN MARIE FLANAGAN3 | PO BOX 871614 WASILLA, AK 99687 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5 | $0 | $5 | 0.09% |
| ZACHAREE KEITH SIAHPUSH3 | 6727 MLK JR WAY S STE M SEATTLE, WA 98118 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.06% |
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 | 160 | 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) | 160 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 10 | $10K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 221 | $20K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 221 | $20K |
| Other(2 contracts, 2 carriers) | CURALINC, LLC DBA CURALINC HEALTHCARE | 178 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 221 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.