| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: THE WILSON AGENCY, AN ALERA AGENCY | 3000 A ST STE 400 ANCHORAGE, AK 99503 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $157K | $63K | $220K | 6.59% |
| GCG FINANCIAL LLC3 Filed as: THE WILSON AGENCY, AN ALERA AGENCY | 3000 A ST STE 400 ANCHORAGE, AK 99503 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $36K | $14K | $50K | 6.60% |
| GCG FINANCIAL LLC3 Filed as: THE WILSON AGENCY, AN ALERA AGENCY | 3000 A ST STE 400 ANCHORAGE, AK 99503 | UNUM INSURANCE COMPANY | $26K | $3K | $29K | 17.00% |
| BENEFITSTORE INC3 | DALLAS REGIONAL LOCKBOX 893383 1501 NORTH PLANO RD STE 100 RICHARDSON, TX 75081 | UNUM INSURANCE COMPANY | $13K | $535 | $14K | 49.05% |
| GCG FINANCIAL LLC3 Filed as: THE WILSON AGENCY, AN ALERA AGENCY | 3000 A ST STE 400 ANCHORAGE, AK 99503 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $89 | $3K | 20.57% |
| GCG FINANCIAL LLC3 Filed as: THE WILSON AGENCY, AN ALERA AGENCY | 3000 A ST STE 400 ANCHORAGE, AK 99503 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $255 | $255 | 1.85% |
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 | 5,763 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,781 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,049 | $4.1M |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,049 | $3.4M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,049 | $3.3M |
| Other(7 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 5,478 | $4.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,478 | — |
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.