| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CLARITY ENROLLMENTSOLUTIONS LLC3 | 18453 ST MELLION PL EDEN PRAIRIE, MN 55347 | TRANSAMERICA LIFE INSURANCE COMPANY | $15K | $0 | $15K | 38.86% |
| GCG FINANCIAL LLC3 Filed as: WILSON ALBERS, AN ALERA GROUP | 3000 A STREET SUITE 400 ANCHORAGE, AK 99503 | TRANSAMERICA LIFE INSURANCE COMPANY | $10K | $0 | $10K | 25.91% |
| GCG FINANCIAL LLC3 Filed as: WILSON ALBERS | 3000 A STREET STE 400 ANCHORAGE, AK 99503 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 10.00% |
| GCG FINANCIAL LLC3 Filed as: WILSON ALBERS | 3000 A STREET STE 400 ANCHORAGE, AK 99503 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 10.66% |
| GCG FINANCIAL LLC3 Filed as: WILSON ALBERS | 3000 A STREET STE 400 ANCHORAGE, AK 99503 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
| GCG FINANCIAL LLC3 Filed as: WILSON ALBERS, AN ALERA GROUP | 1201 PACIFIC AVE STE 2025 TACOMA, WA 98402 | VISION SERVICE PLAN | $963 | $0 | $963 | 6.91% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS, LTD. | 12006 RIDGEMONT DR URBANDALE, IA 503232317 | VISION SERVICE PLAN | $837 | $0 | $837 | 6.01% |
| GCG FINANCIAL LLC3 Filed as: WILSON ALBERS | 3000 A STREET STE 400 ANCHORAGE, AK 99503 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $708 | $0 | $708 | 10.01% |
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 | 332 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 333 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY | 168 | $97K |
| Vision | VISION SERVICE PLAN | 89 | $14K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 332 | $25K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 322 | $34K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 332 | $25K |
| Other(4 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 332 | $89K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 332 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.