| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: DAVIDSON BENEFITS AN ALERA GROUP | 7632 SW DURHAM RD STE 115 TIGARD, OR 97224 | SUN LIFE ASSURANCE COMPANY OF CANADA | $122K | $25K | $147K | 6.02% |
| GCG FINANCIAL LLC3 Filed as: DAVIDSON BENEFITS AN ALERA GROUP | 7632 SW DURHAM RD STE 115 TIGARD, OR 97224 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | — | $11K | 5.00% |
| HEARTSEASE LLC3 | 1521 NE 63RD AVENUE HILLSBORO, OR 97124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $37K | $51K | $88K | 41.88% |
| GCG FINANCIAL LLC3 Filed as: DAVIDSON BENEFITS AN ALERA GROUP | 7632 SW DURHAM RD TIGARD, OR 97224 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $40K | $11K | $51K | 24.30% |
| PREMIER WORKSITE SOLUTIONS INC3 | 112 NW 114TH STREET VANCOUVER, WA 98685 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10K | $11K | $21K | 10.11% |
| BENEFITS BY DESIGN INC3 | 2101 NE 279TH STREET RIDGEFIELD, WA 98642 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $4K | $13K | 5.98% |
| CASSANDRA KRAMER3 | 640 E PIONEER LOOP LA CENTER, WA 98629 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $212 | $7 | $219 | 0.10% |
| ALEXANDER OTTONIEL CANAS3 | 26123 BOUQUET CANYON RD SANTA CLARITA, CA 91350 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $45 | $1 | $46 | 0.02% |
| PATRICIA BLANCO ESPARZA3 | 4309 BRADLEY LANE ARLINGTON, TX 76017 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $39 | $1 | $40 | 0.02% |
| BROCKSTAR LLC3 | 2561 FALCON RIDGE DRIVE GRAYSON, GA 30017 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28 | — | $28 | 0.01% |
| MPART BENEFITS INC3 | 4621 GLEN HEATHER DRIVE FRIXCO, TX 75034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $6 | $12 | 0.01% |
| JOHN D EVANGELISTA3 | 26111 ANTONIA PARKWAY RANCHO SANTA MARGARITA, CA 92688 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $2 | $9 | 0.00% |
| MARC A GROVE3 | 25900 AUTUMN WAY ROGERS, MN 55374 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $4 | $9 | 0.00% |
| PROPEL INSURANCE AGENCY LLC3 | 1201 PACIFIC AVE 1000 TACOMA, WA 98402 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| GABRIEL ANGEL CANALS3 | 1329 NE 236TH AVE WOOD VILLAGE, OR 97060 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| GCG FINANCIAL LLC3 Filed as: DAVIDSON BENEFITS AN ALERA GROUP | 7632 SW DURHAM RD STE 115 TIGARD, OR 97224 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 6.19% |
| GCG FINANCIAL LLC3 Filed as: DAVIDSON BENEFITS AN ALERA GROUP | 7632 SW DURHAM RD STE 115 TIGARD, OR 97224 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 8.20% |
| GCG FINANCIAL LLC3 Filed as: DAVIDSON BENEFITS AN ALERA GROUP | 7632 SW DURHAM RD STE 115 TIGARD, OR 97224 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $413 | — | $413 | 10.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| REGENCE BLUECROSS BLUESHIELD OF ORE EIN 93-0238155 CONTRACT ADMINISTRATOR | Direct payment from the plan; Contract Administrator; Claims processing; Insurance brokerage commissions and fees; Float revenue; Non-monetary compensation; Other services Service code 12 | — | $1.2M |
| CIGNA EIN 06-1059331 CONTRACT ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $33K |
| EXPRESS SCRIPTS INC EIN 43-1420563 PRESCRIPTION ADMIN | Claims processing; Contract Administrator Service code 12 | — | $28K |
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 | 2,280 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 619 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 95 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,994 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,842 | $2.4M |
| Vision(2 contracts) | EYEMED | 3,368 | $126K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,561 | $314K |
| Short-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 910 | $215K |
| Long-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 382 | $164K |
| Prescription drug | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,842 | $2.4M |
| Other(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,800 | $120K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,368 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.