| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: WILSON ALBERS AN ALERA GROUP AGENCY | 3000 A ST STE 400 ANCHORAGE, AK 99503 | REGENCE BLUESHIELD | $84K | $2K | $86K | 5.16% |
| GCG FINANCIAL LLC3 Filed as: WILSON ALBERS AN ALERA GROUP AGENCY | 1201 PACIFIC AVE STE 2025 TACOMA, WA 98402 | DELTA DENTAL OF WASHINGTON | $6K | $0 | $6K | 4.60% |
| GCG FINANCIAL LLC3 Filed as: WILSON ALBERS AN ALERA GROUP AGENCY | 1201 PACIFIC AVE STE 2025 TACOMA, WA 98402 | LIFEMAP ASSURANCE COMPANY | $7K | $0 | $7K | 14.56% |
| GCG FINANCIAL LLC3 Filed as: WILSON ALBERS AN ALERA GROUP AGENCY | 1201 PACIFIC AVE STE 2025 TACOMA, WA 98402 | VISION SERVICE PLAN | $963 | $0 | $963 | 6.03% |
| GCG FINANCIAL LLC3 Filed as: WILSON ALBERS AN ALERA GROUP AGENCY | 3000 A ST STE 400 ANCHORAGE, AK 99503 | MAGELLAN HEALTH | $1K | $0 | $1K | 10.00% |
| GCG FINANCIAL LLC3 Filed as: WILSON ALBERS AN ALERA GROUP AGENCY | 1201 PACIFIC AVE STE 2025 TACOMA, WA 98402 | USABLE LIFE | $1K | $0 | $1K | 15.01% |
| GCG FINANCIAL LLC3 Filed as: WILSON ALBERS AN ALERA GROUP AGENCY | 1201 PACIFIC AVE STE 2025 TACOMA, WA 98402 | USABLE LIFE | $1K | $0 | $1K | 15.47% |
| GCG FINANCIAL LLC3 Filed as: WILSON ALBERS AN ALERA GROUP AGENCY | 1201 PACIFIC AVE STE 2025 TACOMA, WA 98402 | USABLE LIFE | $848 | $0 | $848 | 14.72% |
| GCG FINANCIAL LLC3 Filed as: WILSON ALBERS AN ALERA GROUP AGENCY | 1201 PACIFIC AVE STE 2025 TACOMA, WA 98402 | USABLE LIFE | $773 | $0 | $773 | 14.84% |
| GCG FINANCIAL LLC3 Filed as: WILSON ALBERS AN ALERA GROUP AGENCY | 1201 PACIFIC AVE STE 2025 TACOMA, WA 98402 | USABLE LIFE | $160 | $0 | $160 | 15.27% |
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 | 135 | 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) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | REGENCE BLUESHIELD | 122 | $1.7M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF WASHINGTON | 177 | $186K |
| Vision(2 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 121 | $77K |
| Life insurance(4 contracts, 3 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 136 | $122K |
| Short-term disability(2 contracts, 2 carriers) | LIFEMAP ASSURANCE COMPANY | 136 | $56K |
| Long-term disability(2 contracts, 2 carriers) | LIFEMAP ASSURANCE COMPANY | 136 | $52K |
| Prescription drug(2 contracts, 2 carriers) | REGENCE BLUESHIELD | 122 | $1.7M |
| Other(6 contracts, 5 carriers) | REGENCE BLUESHIELD | 136 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 177 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.