| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: WILSON ALBERS | 3000 A STREET, STE 400 ANCHORAGE, AK 99503 | PREMERA BLUE CROSS BLUE SHIELD OF ALASKA, INC. | $75K | $0 | $75K | 5.06% |
| GCG FINANCIAL LLC3 Filed as: WILSON ALBERS | 3000 A STREET, STE 400 ANCHORAGE, AK 99503 | SYMETRA LIFE INSURANCE COMPANY | $2K | $236 | $2K | 17.04% |
| CONNEXION INSURANCE SOLUTIONS3 | 7001 SW 220TH ST MOUNTLAKE TERRAC, WA 98043 | SYMETRA LIFE INSURANCE COMPANY | $587 | $0 | $587 | 5.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ACM LLP EIN 01-0724563 N/A | Accounting (including auditing) Service code 10 | — | $13K |
| ALASKA PUBLIC BROADCASTING, INC. EIN 16-1616595 PLAN ADMINISTRATOR | Participant communication; Recordkeeping and information management (computing, tabulating, data processing, etc.); Recordkeeping fees; Plan Administrator Service code 14 | — | $8K |
| RSUI INDEMNITY COMPANY N/A | Insurance services Service code 23 | 945 E PACES FERRY RD SUITE 1800 ATLANTA, GA 30326 | $6K |
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 | 108 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PREMERA BLUE CROSS BLUE SHIELD OF ALASKA, INC. | 124 | $1.5M |
| Dental | PREMERA BLUE CROSS BLUE SHIELD OF ALASKA, INC. | 124 | $1.5M |
| Vision | PREMERA BLUE CROSS BLUE SHIELD OF ALASKA, INC. | 124 | $1.5M |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 106 | $12K |
| Prescription drug | PREMERA BLUE CROSS BLUE SHIELD OF ALASKA, INC. | 124 | $1.5M |
| Other | SYMETRA LIFE INSURANCE COMPANY | 106 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 124 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.