| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 141 WEST JACKSON BOULEVARD SUITE 1000 CHICAGO, IL 60604 | PREMERA BLUE CROSS BLUE SHIELD OF ALASKA, INC. | $147K | $22K | $169K | 2.73% |
| USI INSURANCE SERVICES LLC3 Filed as: KIBBLE AND PRENTICE HOLDING COMPANY | 601 UNION STREET, SUITE 1000 SEATTLE, WA 98101 | PREMERA BLUE CROSS BLUE SHIELD OF ALASKA, INC. | $15K | $7K | $23K | 0.37% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 SUITE 1000 CHICAGO, IL 60694 | HARTFORD LIFE AND ACCIDENT | $10K | $0 | $10K | 12.00% |
| CONNEXION INSURANCE SOLUTIONS3 | 9725 3RD AVENUE NE, SUITE 110 SEATTLE, WA 98115 | HARTFORD LIFE AND ACCIDENT | $0 | $6K | $6K | 7.00% |
| USI INSURANCE SERVICES LLC3 Filed as: KIBBLE AND PRENTICE HOLDING COMPANY | PO BOX 62949 VIRGINIA BEACH, VA 23466 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 3.00% |
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 | 536 | 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) | 536 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PREMERA BLUE CROSS BLUE SHIELD OF ALASKA, INC. | 798 | $6.2M |
| Dental | PREMERA BLUE CROSS BLUE SHIELD OF ALASKA, INC. | 798 | $6.2M |
| Vision | PREMERA BLUE CROSS BLUE SHIELD OF ALASKA, INC. | 798 | $6.2M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 536 | $82K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 536 | $82K |
| Prescription drug | PREMERA BLUE CROSS BLUE SHIELD OF ALASKA, INC. | 798 | $6.2M |
| Other | HARTFORD LIFE AND ACCIDENT | 536 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 798 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.