| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AKYCHA3 | 4141 B ST STE 209 ANCHORAGE, AK 99503 | PREMERA BLUE CROSS BLUE SHIELD OF ALASKA, INC | $63K | $14K | $77K | 3.19% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 1031 W 4TH AVE STE 400 ANCHORAGE, AK 99501 | PREMERA BLUE CROSS BLUE SHIELD OF ALASKA, INC | $57K | $3K | $60K | 2.47% |
| ALASKA EMPLOYEE BENEFIT SPECIALISTS3 | 425 G ST STE 405 ANCHORAGE, AK 99501 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 6.20% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN STE 1600 DALLAS, TX 75231 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $682 | $5K | 4.56% |
| ALASKA EMPLOYEE BENEFIT SPECIALISTS3 | 425 G ST STE 405 ANCHORAGE, AK 99501 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 6.32% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN STE 1600 DALLAS, TX 75231 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $749 | $131 | $880 | 4.42% |
| MCCURRY, RONALD E3 | 425 G ST STE 405 ANCHORAGE, AK 99501 | FIRST UNUM LIFE INSURANCE COMPANY | $871 | $0 | $871 | 13.25% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN STE 1600 DALLAS, TX 75231 | FIRST UNUM LIFE INSURANCE COMPANY | $123 | $14 | $137 | 2.08% |
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 | 166 | 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) | 166 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PREMERA BLUE CROSS BLUE SHIELD OF ALASKA, INC | 114 | $2.4M |
| Dental | PREMERA BLUE CROSS BLUE SHIELD OF ALASKA, INC | 114 | $2.4M |
| Vision | PREMERA BLUE CROSS BLUE SHIELD OF ALASKA, INC | 114 | $2.4M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 198 | $100K |
| Short-term disability(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 198 | $127K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 198 | $100K |
| Prescription drug | PREMERA BLUE CROSS BLUE SHIELD OF ALASKA, INC | 114 | $2.4M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 198 | $100K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 198 | — |
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.
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.