| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRUEBENEFITS LLC3 | 1325 4TH AVENUE, SUITE 1900 SEATTLE, WA 98101 | SYMETRA LIFE INSURANCE COMPANY | $31K | $7K | $38K | 15.11% |
| NATIONAL BENEFITS CENTER LLC3 | UNKNOWN SOLON, OH 44139 | SYMETRA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.82% |
| TRUEBENEFITS LLC3 | 1325 4TH AVENUE, SUITE 1900 SEATTLE, WA 98101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $0 | $14K | 15.02% |
| GCG FINANCIAL LLC3 Filed as: WILSON ALBERS | 3000 A STREET, SUITE 400 ANCHORAGE, AK 99503 | AMERITAS LIFE INSURANCE CORPORATION | $0 | $205 | $205 | 0.43% |
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 | 307 | 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) | 307 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 675 | $47K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 307 | $252K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 307 | $252K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 307 | $252K |
| Other(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 307 | $344K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 675 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.