| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AKYCHA3 | 425 G ST STE 405 ANCHORAGE, AK 99501 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | $72K | $79K | 2.47% |
| AKYCHA3 | 4141 B STREET SUITE 209 ANCHORAGE, AK 99503 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 5.40% |
| ALASKA EMPLOYEE BENEFIT SPECIALISTS3 | 425 G STREET SUITE 405 ANCHORAGE, AK 99501 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 10.13% |
| RONALD E MCCURRY3 Filed as: RONALD E. MCMURRY | 425 G STREET SUITE 405 ANCHORAGE, AK 99501 | FIRST UNUM LIFE INSURANCE COMPANY | $100 | — | $100 | 14.99% |
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 | 367 | 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) | 367 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 367 | $3.2M |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 231 | $53K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 22 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 367 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.