| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: WILSON ALBERS, AN ALERA GROUP AGCY | PO BOX 11207 TACOMA, WA 98411 | PREMERA BLUE CROSS | $51K | $512 | $52K | 5.05% |
| GCG FINANCIAL LLC3 Filed as: WILSON ALBERS, AN ALERA GROUP AGCY | 3000 A ST STE 400 ANCHORAGE, AK 99503 | DELTA DENTAL OF WASHINGTON | $5K | — | $5K | 6.20% |
| GCG FINANCIAL LLC3 Filed as: WILSON ALBERS, AN ALERA GROUP AGCY | 3000 A ST STE 400 ANCHORAGE, AK 99503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $327 | $3K | 16.68% |
| GCG FINANCIAL LLC3 Filed as: WILSON ALBERS, AN ALERA GROUP AGCY | 3000 A ST STE 400 ANCHORAGE, AK 99503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $225 | $2K | 16.73% |
| GCG FINANCIAL LLC3 Filed as: WILSON ALBERS, AN ALERA GROUP AGCY | 3000 A ST STE 400 ANCHORAGE, AK 99503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $181 | $2K | 16.82% |
| GCG FINANCIAL LLC3 Filed as: WILSON ALBERS, AN ALERA GROUP AGCY | 3000 A ST STE 400 ANCHORAGE, AK 99503 | VISION SERVICE PLAN | $689 | — | $689 | 7.99% |
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 | 260 | 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) | 260 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PREMERA BLUE CROSS | 136 | $1.0M |
| Dental | DELTA DENTAL OF WASHINGTON | 144 | $81K |
| Vision | VISION SERVICE PLAN | 73 | $9K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 71 | $29K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 71 | $13K |
| Prescription drug | PREMERA BLUE CROSS | 136 | $1.0M |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 260 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 260 | — |
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.