| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC DBA CSNW BENEFITS | 1437 SW COLUMBIA ST PORTLAND, OR 97201 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $88K | $1K | $90K | 3.25% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC | 1437 SW COLUMBIA ST PORTLAND, OR 97201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 3.19% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $757 | $757 | 0.59% |
| GCG FINANCIAL LLC3 Filed as: CSNW BENEFITS, AN ALERA GROUP | 1437 SW COLUMBIA ST PORTLAND, OR 92201 | WILLAMETTE DENTAL INSURANCE, INC. | $5K | — | $5K | 5.00% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC | 1437 SW COLUMBIA ST PORTLAND, OR 97201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 6.48% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK STE A BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $490 | $490 | 0.62% |
| GCG FINANCIAL LLC3 Filed as: CSNW BENEFITS, AN ALERA GROUP | 1437 SW COLUMBIA ST PORTLAND, OR 97201 | AMERITAS LIFE INSURANCE GROUP | $6K | $0 | $6K | 10.00% |
| GCG FINANCIAL LLC3 Filed as: WILSON ALBERS AN ALERA GROUP AGENCY | 3000 A ST STE 400 ANCHORAGE, AK 99503 | AMERITAS LIFE INSURANCE GROUP | $0 | $748 | $748 | 1.22% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC | 1437 SW COLUMBIA ST PORTLAND, OR 97201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 7.00% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK STE A BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $250 | $250 | 0.62% |
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 | 369 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 369 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | 320 | $2.8M |
| Dental(2 contracts, 2 carriers) | WILLAMETTE DENTAL INSURANCE, INC. | 147 | $165K |
| Vision | AMERITAS LIFE INSURANCE GROUP | 143 | $61K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 369 | $40K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 369 | $129K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 369 | $79K |
| Other(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE GROUP | 369 | $101K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 369 | — |
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.