| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: WILSON ALBERS AN ALERA GROUP AGENCY | 3000 A STREET SUITE 400 ANCHORAGE, AK 995034040 | UNITEDHEALTHCARE INSURANCE COMPANY | $32K | — | $32K | 3.54% |
| ALBERS & COMPANY3 Filed as: ALBERS & COMPANY INC. | 4733 TACOMA MALL BOULEVARD SUITE 200 TACOMA, WA 984097110 | UNITEDHEALTHCARE INSURANCE COMPANY | $17K | — | $17K | 1.91% |
| GCG FINANCIAL LLC3 Filed as: WILSON ALBERS, ALERA GROUP AGENCY | 3000 A STREET SUITE 400 ANCHORAGE, AK 99503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 4.11% |
| ALBERS & COMPANY3 Filed as: ALBERS & COMPANY INC. | 4733 TACOMA MALL BOULEVARD SUITE 200 TACOMA, WA 98409 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $2K | $3K | 2.28% |
| GCG FINANCIAL LLC3 Filed as: WILSON ALBERS, ALERA GROUP AGENCY | 3000 A STREET SUITE 400 ANCHORAGE, AK 99503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 12.50% |
| ALBERS & COMPANY3 Filed as: ALBERS & COMPANY INC. | 4733 TACOMA MALL BOULEVARD SUITE 200 TACOMA, WA 98409 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $720 | $770 | $1K | 5.17% |
| GCG FINANCIAL LLC3 Filed as: WILSON ALBERS, | AN ALERA GROUP AGENCY, LLC 3000 A STREET SUITE 400 ANCHORAGE, AK 995034040 | VISION SERVICE PLAN | $715 | — | $715 | 3.99% |
| ALBERS & COMPANY3 Filed as: ALBERS & COMPANY, INC. | 3000 A STREET SUITE 400 ANCHORAGE, AK 995034040 | VISION SERVICE PLAN | $317 | — | $317 | 1.77% |
| GCG FINANCIAL LLC3 Filed as: WILSON ALBERS, ALERA GROUP AGENCY | 3000 A STREET SUITE 400 ANCHORAGE, AK 99503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 12.50% |
| ALBERS & COMPANY3 Filed as: ALBERS & COMPANY INC. | 4733 TACOMA MALL BOULEVARD SUITE 200 TACOMA, WA 98409 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $443 | $473 | $916 | 5.16% |
| GCG FINANCIAL LLC3 Filed as: WILSON ALBERS, ALERA GROUP AGENCY | 3000 A STREET SUITE 400 ANCHORAGE, AK 99503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 12.30% |
| ALBERS & COMPANY3 Filed as: ALBERS & COMPANY INC. | 4733 TACOMA MALL BOULEVARD SUITE 200 TACOMA, WA 98409 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $375 | $428 | $803 | 5.78% |
| GCG FINANCIAL LLC3 Filed as: WILSON ALBERS, ALERA GROUP AGENCY | 3000 A STREET SUITE 400 ANCHORAGE, AK 99503 | UNITED OF OMAHA LIFE INSURNACE COMPANY | $1K | — | $1K | 12.30% |
| ALBERS & COMPANY3 Filed as: ALBERS & COMPANY INC. | 4733 TACOMA MALL BOULEVARD SUITE 200 TACOMA, WA 98409 | UNITED OF OMAHA LIFE INSURNACE COMPANY | $248 | $245 | $493 | 5.36% |
| ALBERS & COMPANY3 | 4733 TACOMA MALL BOULEVARD SUITE 200 TACOMA, WA 98409 | MAGELLAN HEALTH | $291 | — | $291 | 11.99% |
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 | 146 | 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) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 108 | $904K |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 114 | $132K |
| Vision | VISION SERVICE PLAN | 101 | $18K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 146 | $38K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 36 | $14K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 146 | $18K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 146 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 146 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.