| 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. | $76K | $7K | $84K | 5.05% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 1031 W 4TH STREET SUITE 400 ANCHORAGE, AK 99501 | PREMERA BLUE CROSS BLUE SHIELD OF ALASKA, INC. | $7K | — | $7K | 0.39% |
| GCG FINANCIAL LLC3 Filed as: THE WILSON AGENCY, LLC | 3000 A STREET SUITE 400 ANCHORAGE, AK 99503 | MODA HEALTH | $4K | — | $4K | 4.62% |
| GCG FINANCIAL LLC3 Filed as: THE WILSON AGENCY LLC | 3000 A STREET SUITE 400 ANCHORAGE, AK 99503 | AETNA LIFE INSURANCE COMPANY | $1K | $278 | $1K | 12.54% |
| GCG FINANCIAL LLC3 Filed as: THE WILSON AGENCY, LLC | 3000 A STREET SUITE 400 ANCHORAGE, AK 99503 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $966 | — | $966 | 10.00% |
| GCG FINANCIAL LLC3 Filed as: THE WILSON AGENCY, LLC | 3000 A STREET SUITE 400 ANCHORAGE, AK 99503 | UNITED BEHAVIORAL HEALTH DBA OPTUM | $637 | — | $637 | 7.00% |
| GCG FINANCIAL LLC3 Filed as: THE WILSON AGENCY, LLC | 3000 A STREET SUITE 400 ANCHORAGE, AK 99503 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $107 | — | $107 | 13.65% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 1031 W. 4TH AVENUE SUITE 400 ANCHORAGE, AK 99501 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11 | — | $11 | 1.40% |
| PAUL L ADAMS3 | 20021 120TH AVE NE BOTHELL, WA 98011 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1 | — | $1 | 0.13% |
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 | 389 | 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) | 389 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | PREMERA BLUE CROSS BLUE SHIELD OF ALASKA, INC. | 389 | $1.7M |
| Dental | MODA HEALTH | 115 | $84K |
| Vision(2 contracts, 2 carriers) | PREMERA BLUE CROSS BLUE SHIELD OF ALASKA, INC. | 105 | $1.7M |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 157 | $11K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2 | $784 |
| Prescription drug | PREMERA BLUE CROSS BLUE SHIELD OF ALASKA, INC. | 105 | $1.7M |
| Other | AETNA LIFE INSURANCE COMPANY | 157 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 389 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.