| 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 | $151K | $19K | $169K | 6.19% |
| HEARTSEASE LLC3 | 1521 NE 63RD AVENUE HILLSBORO, OR 97124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28K | $14K | $41K | 16.14% |
| GCG FINANCIAL LLC3 Filed as: DAVIDSON BENEFITS AN ALERA AGENCY | 7632 SW DURHAM RD TIGARD, OR 97224 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30K | $234 | $30K | 11.68% |
| PREMIER WORKSITE SOLUTIONS INC3 | 112 NW 114TH STREET VANCOUVER, WA 98685 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $5K | $11K | 4.31% |
| BENEFITS BY DESIGN INC3 | 2101 NE 279TH STREET RIDGEFIELD, WA 98642 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $2K | $8K | 3.30% |
| CASSANDRA KRAMER3 | 640 E PIONEER LOOP LA CENTER, WA 98629 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29 | — | $29 | 0.01% |
| ALEXANDER OTTONIEL CANAS3 | 26123 BOUQUET CANYON RD SANTA CLARITA, CA 91350 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| CHRISTOPHER ROBERT BERRY | 27108 162ND ST SE MONROE, WA 98272 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| LAURIE C BERRY3 | 19308 CROWN RIDGE BLVD ARLINGTON, WA 98223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| GCG FINANCIAL LLC3 Filed as: DAVIDSON BENEFITS AN ALERA AGENCY | 7632 SW DURHAM RD STE 115 TIGARD, OR 97224 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | — | $13K | 6.86% |
| BENEFITMALL3 | PO BOX 29675 PHOENIZ, AZ 85038 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $9K | $9K | 4.63% |
| NATIONAL BENEFIT CENTER | 6830 COCHRAN ROAD SOLON, OH 44139 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 1.07% |
| BENEFITMALL3 | PO BOX 29675 PHOENIX, AZ 85038 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $7K | $7K | 6.00% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 0.92% |
| BENEFITMALL3 | PO BOX 29675 PHOENIX, AZ 85038 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $4K | $4K | 4.45% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $873 | $873 | 1.10% |
| 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 | $6K | — | $6K | 9.87% |
| BENEFITMALL3 | PO BOX 29675 PHOENIX, AZ 85038 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $3K | $3K | 4.47% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $638 | $638 | 1.13% |
| 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 | 9.29% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $670 | $670 | 1.66% |
| BENEFITMALL3 | PO BOX 29675 PHOENIX, AZ 85038 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $50 | $50 | 0.12% |
| BENEFITMALL3 | PO BOX 29675 PHOENIX, AZ 85038 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $873 | $873 | 4.41% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $219 | $219 | 1.11% |
| 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 | $488 | — | $488 | 11.53% |
| BENEFITMALL3 | PO BOX 29675 PHOENIX, AZ 85038 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $103 | $103 | 2.43% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $64 | $64 | 1.51% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| REGENCE BLUECROSS BLUESHIELD OF ORE EIN 93-0238155 CLAIMS PROCESSING | Contract Administrator; Claims processing; Insurance brokerage commissions and fees; Non-monetary compensation; Other services; Direct payment from the plan; Float revenue Service code 12 | — | $1.2M |
| CIGNA EIN 23-1503749 CONTRACT ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $34K |
| HR SIMPLIFIED EIN 41-1877873 CONTRACT ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $31K |
| EXPRESS SCRIPTS INC EIN 43-1420563 PRESCRIPTION ADMIN | Contract Administrator; Claims processing Service code 12 | — | $27K |
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 | 2,492 | 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) | 2,492 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,099 | $2.7M |
| Vision | VISION SERVICE PLAN | 1,770 | $203K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,492 | $273K |
| Short-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 1,070 | $261K |
| Long-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 630 | $161K |
| Prescription drug | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,099 | $2.7M |
| Other(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,800 | $118K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,800 | — |
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.