| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTERSTONE INSURANCE AND FINANCIAL3 | 2111 E. HIGHLAND AVE PHOENIX, AZ 85016 | RELIASTAR LIFE INSURANCE COMPANY | — | $107K | $107K | 5.00% |
| LABOR BENEFITS, LLC | 10104 SENATE DRIVE, STE 233 LENHAM, MD 20706 | UNITED AMERICAN INSURANCE COMPANY | $27K | — | $27K | 1.94% |
| NONE | — | UNITED AMERICAN INSURANCE COMPANY | — | — | $0 | 0.00% |
| NONE | — | SYMETRA LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ESC EIN 92-0046048 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $517K |
| BENESYS EIN 38-2383171 NONE | Direct payment from the plan; Insurance services Service code 23 | — | $460K |
| AETNA EIN 06-6033492 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $404K |
| RAEL & LETSON EIN 94-1701048 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $127K |
| HEALTH CARE COST MGMT CORP OF AK EIN 94-3283661 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $115K |
| AMWINS RX EIN 05-0461576 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $113K |
| HEALTHCARE STRATEGIES, INC. EIN 52-1874471 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $89K |
| ALASKA VACCINE ASSESSMENT PROGRAM NONE | Contract Administrator; Direct payment from the plan Service code 13 | P.O. BOX 1885 CONCORD, NH 033021885 | $85K |
| ZELIS EIN 86-1040704 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $78K |
| EIDE BAILLY LLP EIN 45-0250958 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $62K |
| BRIDGEHEALTH MEDICAL, INC EIN 26-0804648 NONE | Insurance services; Direct payment from the plan Service code 23 | — | $48K |
| WELLS FARGO EIN 94-3081343 NONE | Investment management; Direct payment from the plan Service code 28 | — | $38K |
| MONDRESS MONACO PARR LOCKWOOD PLLC EIN 91-1917286 NONE | Legal; Direct payment from the plan Service code 29 | — | $24K |
| VISION SERVICE PLAN EIN 92-0078509 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $17K |
| G.D. MORRIS, INC. EIN 76-0702672 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $16K |
| PRINCIPAL EIN 94-3081343 NONE | Investment management; Direct payment from the plan Service code 28 | — | $13K |
| MZQ CONSULTING, LLC NONE | Direct payment from the plan; Consulting (general) Service code 16 | 1829 REISTERSTOWN RD SUITE 100 PIKESWILL, MD 21208 | $8K |
| PARKER, SMITH & FEEK INSURANCE, LLC | Insurance services; Insurance brokerage commissions and fees Service code 23 | — | $3K |
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 | 1,445 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,445 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | UNITED AMERICAN INSURANCE COMPANY | 466 | $2.4M |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 1,445 | $130K |
| Prescription drug(2 contracts) | UNITED AMERICAN INSURANCE COMPANY | 466 | $2.4M |
| Other(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 1,445 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,445 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.