| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AKYCHA3 | 425 G ST STE 405 ANCHORAGE, AK 99501 | UNITEDHEALTHCARE INSURANCE COMPANY | $19K | $83K | $102K | 3.67% |
| ALASKA EMPLOYEE BENEFIT SPECIALISTS3 | 425 G STREET SUITE 405 ANCHORAGE, AK 99501 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 10.02% |
| AKYCHA3 | 4141 B STREET SUITE 209 ANCHORAGE, AK 99503 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 6.01% |
| ALASKA EMPLOYEE BENEFIT SPECIALISTS3 | 425 G STREET SUITE 405 ANCHORAGE, AK 99501 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 9.97% |
| RONALD E MCCURRY3 Filed as: RONALD E. MCCURRY | 425 G STREET SUITE 405 ANCHORAGE, AK 99501 | FIRST UNUM LIFE INSURANCE COMPANY | $126 | — | $126 | 14.96% |
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 | 323 | 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) | 323 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 323 | $2.8M |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 161 | $42K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 34 | $96K |
| Short-term disability(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 34 | $118K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 34 | $96K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 323 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.