| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: THE WILSON AGENCY, LLC | 3000 A STREET, SUITE 400 ANCHORAGE, AK 99503 | PREMERA BLUE CROSS BLUE SHIELD OF ALASKA, INC. | $71K | $7K | $78K | 5.46% |
| UNKNOWN3 | UNKNOWN ANCHORAGE, AK 99503 | MODA HEALTH | $6K | — | $6K | 5.00% |
| GCG FINANCIAL LLC3 Filed as: THE WILSON AGENCY, LLC | 3000 A STREET, SUITE 400 ANCHORAGE, AK 99503 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $1K | $7K | 11.46% |
| WHITFIELD BENEFIT SOLUTIONS3 | 341 WEST TUDOR ROAD ANCHORAGE, AK 99503 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $8K | $3K | $11K | 20.33% |
| KAREN MARIE FLANAGAN3 | PO BOX 871614 WASILLA, AK 99687 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $406 | $5K | 9.87% |
| GCG FINANCIAL LLC3 Filed as: THE WILSON AGENCY, LLC | 3000 A STREET ANCHORAGE, AK 99503 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $666 | $4K | 7.62% |
| KARI LEE3 | 1345 MEDFRA STREET APARTMENT A ANCHORAGE, AK 99501 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $236 | $3K | 5.66% |
| KATHERINE MARIA KINCAID3 | 7801 JODPHUR STREET ANCHORAGE, AK 99502 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 3.92% |
| JOSEPH MAYO JOYNER3 Filed as: JOSEPH JOHN KUCZMARSKI | 341 WEST TUDOR ROAD, SUITE 207 ANCHORAGE, AK 99503 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $410 | $608 | $1K | 1.96% |
| PICKERING FINANCIAL SERVICES INC3 Filed as: PICKERING FIN. AND OTHER AGENTS | 341 WEST TUDOR ROAD ANCHORAGE, AK 99503 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $641 | $300 | $941 | 1.81% |
| GCG FINANCIAL LLC3 Filed as: THE WILSON AGENCY, LLC | 3000 A STREET, SUITE 400 ANCHORAGE, AK 99503 | VISION SERVICE PLAN | $1K | — | $1K | 5.21% |
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 | 129 | 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) | 129 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PREMERA BLUE CROSS BLUE SHIELD OF ALASKA, INC. | 98 | $1.4M |
| Dental | MODA HEALTH | 233 | $129K |
| Vision | VISION SERVICE PLAN | 116 | $23K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 129 | $63K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 45 | $52K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 129 | $63K |
| Prescription drug | PREMERA BLUE CROSS BLUE SHIELD OF ALASKA, INC. | 98 | $1.4M |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 129 | $118K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 233 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.