| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNKNOWN3 | UNKNOWN ANCHORAGE, AK 99503 | OREGON DENTAL SERVICE DBA DELTA DENTAL PLAN OF OREGON | $8K | $0 | $8K | 5.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1420 5TH AVENUE, SUITE 1500 SEATTLE, WA 98101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $786 | $5K | 7.66% |
| GCG FINANCIAL LLC3 Filed as: THE WILSON AGENCY | 3000 A STREET, SUITE 400 ANCHORAGE, AK 99503 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $404 | $3K | 5.05% |
| WHITFIELD BENEFIT SOLUTIONS3 | 341 WEST TUDOR ROAD ANCHORAGE, AK 99503 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $2K | $6K | 10.20% |
| KAREN MARIE FLANAGAN3 | PO BOX 871614 WASILLA, AK 99687 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $77 | $3K | 5.20% |
| GCG FINANCIAL LLC3 Filed as: THE WILSON AGENCY, LLC | 300 A STREET ANCHORAGE, AK 99503 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 3.62% |
| MJ INSURANCE3 Filed as: AMANDA F. STONE AND VARIOUS AGENTS | 341 WEST TUDOR ROAD ANCHORAGE, AK 99503 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $702 | $228 | $930 | 1.71% |
| KARI LEE | 1345 MEDFRA STREET, APARTMENT C ANCHORAGE, AK 99501 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $702 | $0 | $702 | 1.29% |
| KATHERINE MARIA KINCAID3 | 7801 JODPHUR STREET ANCHORAGE, AK 99502 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $346 | $0 | $346 | 0.63% |
| GCG FINANCIAL LLC3 Filed as: THE WILSON AGENCY | 3000 A STREET, SUITE 400 ANCHORAGE, AK 99503 | VISION SERVICE PLAN | $798 | $0 | $798 | 3.46% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | VISION SERVICE PLAN | $394 | $0 | $394 | 1.71% |
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 | 135 | 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) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | OREGON DENTAL SERVICE DBA DELTA DENTAL PLAN OF OREGON | 240 | $150K |
| Vision | VISION SERVICE PLAN | 117 | $23K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 135 | $62K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 49 | $55K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 135 | $62K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 135 | $119K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 240 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.