| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: WILSON ALBERS AN ALERA GROUP AGENCY | 3000 A STREET STE 400 ANCHORAGE, AK 99503 | PREMERA BLUE CROSS BLUE SHIELD OF ALASKA, INC. | $143K | $30K | $173K | 3.68% |
| GCG FINANCIAL LLC3 Filed as: WILSON ALBERS AN ALERA GROUP AGENCY | 3000 A STREET STE 400 ANCHORAGE, AK 99503 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $7K | $19K | 5.19% |
| GCG FINANCIAL LLC3 Filed as: WILSON ALBERS AN ALERA GROUP AGENCY | 3000 A STREET STE 400 ANCHORAGE, AK 99503 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $2K | $16K | 16.52% |
| GCG FINANCIAL LLC3 Filed as: WILSON ALBERS AN ALERA GROUP AGENCY | 1201 PACIFIC AVE STE 2025 TACOMA, WA 98402 | VISION SERVICE PLAN | $2K | — | $2K | 4.19% |
| GCG FINANCIAL LLC3 Filed as: WILSON ALBERS AN ALERA GROUP AGENCY | 3000 A STREET STE 400 ANCHORAGE, AK 99503 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $789 | $7K | 16.95% |
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 | 291 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 295 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PREMERA BLUE CROSS BLUE SHIELD OF ALASKA, INC. | 435 | $4.7M |
| Dental | PREMERA BLUE CROSS BLUE SHIELD OF ALASKA, INC. | 435 | $4.7M |
| Vision | VISION SERVICE PLAN | 206 | $42K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 291 | $469K |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 291 | $411K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 291 | $372K |
| Prescription drug | PREMERA BLUE CROSS BLUE SHIELD OF ALASKA, INC. | 435 | $4.7M |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 291 | $469K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 435 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.