| 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 | 6.25% |
| ANGELA MAY RAMIREZ3 | 850 N WESGLENN CIR #3 WASILLA, AK 99654 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $758 | $317 | $1K | 8.66% |
| MARSH & MCLENNAN AGENCY LLC3 | 1031 W 4TH AVE ANCHORAGE, AK 99501 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $535 | $49 | $584 | 4.71% |
| DAVID FRAZIER & ASSOCIATES3 Filed as: DAVID FRAZIER & ASSOCIATES INC | 2636 SHEPHERDIA DR ANCHORAGE, AK 99508 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $525 | $0 | $525 | 4.23% |
| FRANK THOMAS BAILEY3 | 3630 LOC SAULT AVE ANCHORAGE, AK 99516 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $166 | $240 | $406 | 3.27% |
| MEGAN ELIZABETH CASTO3 | 10340 CARNEY DR SE OLYMPIA, WA 98501 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $199 | $86 | $285 | 2.30% |
| JANEEN M BAILEY3 | 3630 LOC SAULT AVE ANCHORAGE, AK 99516 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $192 | $25 | $217 | 1.75% |
| RANDELL LYNN KRUSE3 | 2018 DAYTON CT SE RENTON, WA 98055 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $26 | $0 | $26 | 0.21% |
| BENEFITS BY DESIGN INC3 | 2101 NE 279TH ST RIDGEFIELD, WA 98642 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $21 | $0 | $21 | 0.17% |
| PAMELA WHITFIELD3 | 646 A AKOAKOA ST KAILUA, HI 96734 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $16 | $0 | $16 | 0.13% |
| LUANN E DAVIS3 | 325 N GRANT ST KENNEWICK, WA 99336 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $16 | $0 | $16 | 0.13% |
| MARY ANNE AADNESEN3 | 2204 CLIFF CT ANCHORAGE, AK 99517 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5 | $0 | $5 | 0.04% |
| KAREN MARIE FLANAGAN3 | PO BOX 871614 WASILLA, AK 99687 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.03% |
| CYRUS PINDER3 | 5318 MARIA CT ANCHORAGE, AK 99508 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.02% |
| DAVID FRAZIER & ASSOCIATES3 Filed as: DAVID FRAZIER & ASSOCIATES INC | 2636 SHEPHERDIA DR ANCHORAGE, AK 99508 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $389 | $0 | $389 | 6.42% |
| ANGELA MAY RAMIREZ3 | 850 N. WESGLENN CIRCLE #1 WASILLA, AK 99654 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $222 | $58 | $280 | 4.62% |
| MARSH & MCLENNAN AGENCY LLC3 | 1031 W 4TH AVE ANCHORAGE, AK 99501 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $99 | $9 | $108 | 1.78% |
| FRANK THOMAS BAILEY3 | 3630 LOC SAULT AVE ANCHORAGE, AK 99516 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $32 | $45 | $77 | 1.27% |
| MEGAN ELIZABETH CASTO3 | 10340 CARNEY DR SE OLYMPIA, WA 98501 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $46 | $17 | $63 | 1.04% |
| JANEEN M BAILEY3 | 3630 LOC SAULT AVE ANCHORAGE, AK 99516 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $29 | $4 | $33 | 0.54% |
| RANDELL LYNN KRUSE3 | 2018 DAYTON CT SE RENTON, WA 98055 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $30 | $0 | $30 | 0.50% |
| PAMELA WHITFIELD3 | 646 A AKOAKOA ST KAILUA, HI 96734 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $18 | $0 | $18 | 0.30% |
| LUANN E DAVIS3 | 325 N GRANT ST KENNEWICK, WA 99336 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $18 | $0 | $18 | 0.30% |
| NICHOLAS J WOOG3 Filed as: NICHOLAS J WONG | 4837 42ND AVENUE SOUTH SEATTLE, WA 98118 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $13 | $1 | $14 | 0.23% |
| KAREN MARIE FLANAGAN3 | PO BOX 871614 WASILLA, AK 99687 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5 | $0 | $5 | 0.08% |
| ZACHAREE KEITH SIAHPUSH3 | 6727 MLK JR WAY S STE M 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 | 178 | 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) | 178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 226 | $19K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 226 | $19K |
| Other(3 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 411 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 411 | — |
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.