| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FS INC | 4851 LBJ FWY STE 100 DALLAS, TX 75244 | RELIASTAR LIFE INSURANCE COMPANY | $15K | $62K | $77K | 6.21% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LABOR TRUST SERVICES, INC. NONE | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 13 | 375 W 36TH AVE 200 ANCHORAGE, AK 99503 | $725K |
| AETNA, INC. EIN 06-6033492 NONE | Direct payment from the plan; Product termination fees (surrender charges, etc.); Claims processing; Accounting (including auditing) Service code 10 | — | $273K |
| BEACON OHSS, INC. NONE | Direct payment from the plan; Other services Service code 49 | 800 CORDOVA STREET ANCHORAGE, AK 99501 | $227K |
| RAEL & LETSON EIN 94-1701048 NONE | Consulting (general); Direct payment from the plan; Actuarial Service code 11 | — | $179K |
| HEALTH CARE COST MGMT CORP OF AK NONE | Direct payment from the plan Service code 50 | 1469 HOLY CROSS DRIVE FAIRBANKS, AK 99709 | $51K |
| ALASKA VACCINE ASSESSMENT PROGRAM NONE | Direct payment from the plan; Other services Service code 49 | P.O. BOX 1885 CONCORD, NH 033021885 | $36K |
| BARLOW COUGHRAN MORALES EIN 91-0889948 NONE | Legal; Direct payment from the plan Service code 29 | — | $34K |
| CLIFTONLARSONALLEN LLP EIN 41-0746749 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $31K |
| ANASTASI, MOORE & MARTIN, PLLC EIN 20-8149084 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $24K |
| TRANSCARENT NONE | Direct payment from the plan; Other services Service code 49 | 4700 S SYRACUSE ST DENVER, CO 80237 | $18K |
| MARSH & MCLENNAN AGENCY LLC NONE | Direct payment from the plan; Insurance services Service code 23 | 1166 6TH AVE NEW YORK, NY 10036 | $15K |
| MEKETA INVESTMENT GROUP, INC. EIN 04-2659023 NONE | Consulting (pension); Investment advisory (plan); Direct payment from the plan Service code 17 | — | $13K |
| BANK OF AMERICA CORPORATION NONE | Custodial (other than securities); Direct payment from the plan Service code 18 | 100 NORTH TRYON STREET CHARLOTTE, NC 28255 | $8K |
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 | 1,696 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 32 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,728 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 792 | $20K |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 987 | $1.2M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 792 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 987 | — |
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.