| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PACIFIC BUSINESS SOLUTIONS, LLC3 Filed as: PACIFIC BUSINESS SOLUTIONS, LLC. | P.O. BOX 240655 HONOLULU, HI 96824 | UNIVERSITY HEALTH ALLIANCE | $10K | — | $10K | 3.50% |
| ALBERS & COMPANY3 Filed as: ALBERS & COMPANY INC. | 3000 A STREET SUITE 400 ANCHORAGE, AK 99503 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 15.00% |
| ALBERS & COMPANY3 Filed as: ALBERS & COMPANY INC. | 3000 A STREET SUITE 400 ANCHORAGE, AK 99503 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| ALBERS & COMPANY3 | 3000 A STREET SUITE 400 ANCHORAGE, AK 99503 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 15.29% |
| ALBERS & COMPANY3 Filed as: ALBERS & COMPANY, INC. | 4733 TACOMA MALL BOULEVARD SUITE 200 TACOMA, WA 98409 | SUN LIFE AND HEALTH INSURANCE COMPANY | $1K | $281 | $2K | 19.74% |
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 | 466 | 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) | 467 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNIVERSITY HEALTH ALLIANCE | 55 | $278K |
| Dental | UNIVERSITY HEALTH ALLIANCE | 55 | $278K |
| Vision | UNIVERSITY HEALTH ALLIANCE | 55 | $278K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 135 | $29K |
| Long-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 144 | $53K |
| Prescription drug | UNIVERSITY HEALTH ALLIANCE | 55 | $278K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 144 | — |
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.