| 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 | $32K | $806 | $33K | 3.00% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, FLOOR 12 SAN FRANCISCO, CA 94111 | PREMERA BLUE CROSS | $23K | — | $23K | 2.07% |
| GCG FINANCIAL LLC3 Filed as: WILSON ALBERS, AN ALERA GROUP AGCY | 3000 A ST STE 400 ANCHORAGE, AK 99503 | DELTA DENTAL OF WASHINGTON | $2K | — | $2K | 2.54% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, FLOOR 12 SAN FRANCISCO, CA 94111 | DELTA DENTAL OF WASHINGTON | $2K | — | $2K | 2.46% |
| 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 | — | $2K | 8.67% |
| WOODRUFF-SAWYER & CO3 | 1001 SW 5TH AVE STE 1000 PORTLAND, OR 97204 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 6.33% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $540 | $540 | 2.75% |
| 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 | — | $1K | 8.73% |
| WOODRUFF-SAWYER & CO3 | 1001 SW 5TH AVE STE 1000 PORTLAND, OR 97204 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $741 | — | $741 | 6.27% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $343 | $343 | 2.90% |
| GCG FINANCIAL LLC3 Filed as: WILSON ALBERS, AN ALERA GROUP AGCY | 3000 A ST STE 400 ANCHORAGE, AK 99503 | VISION SERVICE PLAN | $528 | — | $528 | 5.60% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, FLOOR 12 SAN FRANCISCO, CA 94111 | VISION SERVICE PLAN | $195 | — | $195 | 2.07% |
| 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 | $644 | — | $644 | 9.16% |
| WOODRUFF-SAWYER & CO3 | 1001 SW 5TH AVE STE 1000 PORTLAND, OR 97204 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $411 | — | $411 | 5.85% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $231 | $231 | 3.29% |
| 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 | $290 | — | $290 | 13.10% |
| WOODRUFF-SAWYER & CO3 | 1001 SW 5TH AVE STE 1000 PORTLAND, OR 97204 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $42 | — | $42 | 1.90% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $42 | $42 | 1.90% |
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 | 262 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 267 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PREMERA BLUE CROSS | 146 | $1.1M |
| Dental | DELTA DENTAL OF WASHINGTON | 152 | $86K |
| Vision | VISION SERVICE PLAN | 75 | $9K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 76 | $27K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 22 | $2K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 76 | $12K |
| Prescription drug | PREMERA BLUE CROSS | 146 | $1.1M |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 262 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 262 | — |
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.