| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: DAVIDSON BENEFITS AN ALERA AGENCY | 7632 SW DURHAM RD 115 TIGARD, OR 97224 | MODA HEALTH PLAN INC | $83K | — | $83K | 5.02% |
| GCG FINANCIAL LLC3 Filed as: DAVIDSON BENEFITS AN ALERA AGENCY | 7632 SW DURHAM RD, STE 115 TIGARD, OR 97224 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $7K | $140 | $7K | 3.02% |
| GCG FINANCIAL LLC3 Filed as: DAVIDSON BENEFITS AN ALERA AGENCY | 7632 SW DURHAM RD 115 TIGARD, OR 97224 | DELTA DENTAL OF OREGON | $5K | — | $5K | 5.02% |
| GCG FINANCIAL LLC3 Filed as: DAVIDSON BENEFITS AN ALERA AGENCY | 7632 SW DURHAM RD, STE 115 TIGARD, OR 97224 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 9.09% |
| GCG FINANCIAL LLC3 Filed as: DAVIDSON BENEFITS AN ALERA AGENCY | 7632 SW DURHAM RD, STE 115 TIGARD, OR 97224 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 4.70% |
| GCG FINANCIAL LLC3 Filed as: DAVIDSON BENEFITS AN ALERA AGENCY | 7632 SW DURHAM RD, STE 115 TIGARD, OR 97224 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 6.34% |
| ANDREW N LUCCOCK3 Filed as: ANDREW LUCCOCK | PO BOX 1965 WILSONVILLE, OR 97070 | AFLAC | $740 | $61 | $801 | 6.09% |
| GCG FINANCIAL LLC3 Filed as: DAVIDSON BENEFITS AN ALERA AGENCY | 7632 SW DURHAM RD STE 115 TIGARD, OR 97224 | AFLAC | $283 | — | $283 | 2.15% |
| BRIDGET RENEA TOWNSEND3 Filed as: BRIDGET TOWNSEND | 3635 5TH STREET HUBBARD, OR 97032 | AFLAC | $106 | — | $106 | 0.81% |
| BRYAN G CORBIN LLC3 Filed as: BRYAN CORBIN LLC | 17 WESTRIDGE DR LAKE OSWEGO, OR 97034 | AFLAC | $58 | $12 | $70 | 0.53% |
| IOANNIS T GRATSINOPOULOS3 Filed as: IOANNIS GRATSINOPOULOS | 1893 E DAULBY ST MERIDIAN, ID 83642 | AFLAC | $9 | — | $9 | 0.07% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DISCOVERY BENEFITS EIN 90-0058554 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $5K |
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 | 100 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 101 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | MODA HEALTH PLAN INC | 170 | $1.9M |
| Dental | DELTA DENTAL OF OREGON | 170 | $101K |
| Vision | MODA HEALTH PLAN INC | 170 | $1.7M |
| Life insurance | STANDARD INSURANCE COMPANY | 100 | $47K |
| Short-term disability | STANDARD INSURANCE COMPANY | 100 | $43K |
| Long-term disability | STANDARD INSURANCE COMPANY | 100 | $49K |
| Prescription drug(2 contracts, 2 carriers) | MODA HEALTH PLAN INC | 170 | $1.9M |
| Stop-loss / reinsurancereinsurance | MODA HEALTH PLAN INC | 170 | $1.7M |
| Other(2 contracts, 2 carriers) | AFLAC | 83 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 170 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.