| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PACIFIC BUSINESS SOLUTIONS, LLC3 Filed as: PACIFIC BUSINESS SOLUTIONS LLC | PO BOX 240655 HONOLULU, HI 96824 | UNIVERSITY HEALTH ALLIANCE | $9K | — | $9K | 3.55% |
| GCG FINANCIAL LLC3 Filed as: WILSON ALBERS AN ALERA GROUP AGENCY | 3000 A STREET STE 400 ANCHORAGE, AK 99503 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $1K | $10K | 17.87% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $2K | $5K | 9.00% |
| GCG FINANCIAL LLC3 Filed as: WILSON ALBERS AN ALERA GROUP AGENCY | 3000 A STREET STE 400 ANCHORAGE, AK 99503 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $1K | $9K | 18.29% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $2K | $5K | 9.00% |
| GCG FINANCIAL LLC3 Filed as: WILSON ALBERS AN ALERA GROUP AGENCY | 3000 A STREET STE 400 ANCHORAGE, AK 99503 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 15.97% |
| GCG FINANCIAL LLC3 Filed as: WILSON ALBERS | 3000 A STREET STE 400 ANCHORAGE, AK 99503 | UNUM INSURANCE COMPANY | $440 | $200 | $640 | 8.00% |
| GCG FINANCIAL LLC3 Filed as: WILSON ALBERS AN ALERA GROUP AGENCY | 3000 A STREET STE 400 ANCHORAGE, AK 99503 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $165 | $1K | 20.54% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $330 | $264 | $594 | 9.00% |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNIVERSITY HEALTH ALLIANCE | 41 | $262K |
| Dental | UNIVERSITY HEALTH ALLIANCE | 41 | $262K |
| Vision | UNIVERSITY HEALTH ALLIANCE | 41 | $262K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 243 | $54K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 204 | $51K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 204 | $57K |
| Prescription drug | UNIVERSITY HEALTH ALLIANCE | 41 | $262K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 243 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 243 | — |
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."
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.