| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: WILSON ALBERS | 1201 PACIFIC AVE. SUITE 2025 TACOMA, WA 98402 | PREMERA BLUE CROSS BLUE SHIELD OF ALASKA, INC. | $66K | $0 | $66K | 5.00% |
| GCG FINANCIAL LLC3 Filed as: WILSON ALBERS AN ALERA GROUP | 3000 A STREET STE 400 ANCHORAGE, AK 99503 | SYMETRA LIFE INSURANCE COMPANY | $2K | $381 | $2K | 17.95% |
| CONNEXION INSURANCE SOLUTIONS3 | 9725 3RD AVE NE #110 SEATTLE, WA 98115 | SYMETRA LIFE INSURANCE COMPANY | $645 | $0 | $645 | 5.00% |
| NATIONAL BENEFITS CENTER LLC3 | 3700 PARK E DRIVE #350 BEACHWOOD, OH 44122 | SYMETRA LIFE INSURANCE COMPANY | $0 | $127 | $127 | 0.98% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BDO USA, P.C. EIN 13-5381590 N/A | Accounting (including auditing) Service code 10 | — | $18K |
| SHATTUCK & GRUMMETT INSURANCE N/A | Insurance services; Insurance agents and brokers Service code 22 | 301 SEWARD STREET JUNEAU, AK 99801 | $9K |
| COASTALASKA, INC. EIN 92-0162579 PLAN ADMINISTRATOR | Plan Administrator Service code 14 | — | $8K |
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 | 106 | 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) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PREMERA BLUE CROSS BLUE SHIELD OF ALASKA, INC. | 114 | $1.3M |
| Dental | PREMERA BLUE CROSS BLUE SHIELD OF ALASKA, INC. | 114 | $1.3M |
| Vision | PREMERA BLUE CROSS BLUE SHIELD OF ALASKA, INC. | 114 | $1.3M |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 106 | $13K |
| Prescription drug | PREMERA BLUE CROSS BLUE SHIELD OF ALASKA, INC. | 114 | $1.3M |
| Other | SYMETRA LIFE INSURANCE COMPANY | 106 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 114 | — |
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.