| 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 | $138K | — | $138K | 4.54% |
| HEARTSEASE LLC3 | 1521 NE 63RD AVENUE HILLSBORO, OR 97124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17K | $6K | $23K | 10.06% |
| GCG FINANCIAL LLC3 Filed as: DAVIDSON BENEFITS AN ALERA AGENCY | 7632 SW DURHAM RD TIGARD, OR 97224 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19K | $167 | $19K | 8.28% |
| WORKSITE BENEFITS GROUP INC3 | 112 NW 114TH STREET VANCOUVER, WA 98685 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $2K | $7K | 2.82% |
| BENEFITS BY DESIGN INC3 | 2101 NE 279TH STREET RIDGEFIELD, WA 98642 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $844 | $4K | 1.84% |
| CASSANDRA KRAMER3 | 1465 N AUGUST DR SARASOTA SPGS, UT 84045 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.01% |
| TERESA FELLER3 | 3405 172ND ST NE STE 5 ARLINGTON, WA 98223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 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 | $11K | — | $11K | 5.00% |
| BENEFITMALL3 | PO BOX 29675 PHOENIZ, AZ 85038 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $11K | $11K | 5.00% |
| BENEFITMALL3 | PO BOX 29675 PHOENIX, AZ 85038 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $9K | $9K | 5.00% |
| BENEFITMALL3 | PO BOX 29675 PHOENIX, AZ 85038 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $4K | $4K | 5.00% |
| 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 | $4K | — | $4K | 6.40% |
| BENEFITMALL3 | PO BOX 29675 PHOENIX, AZ 85038 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $3K | $3K | 5.92% |
| BENEFITMALL3 | PO BOX 29675 PHOENIX, AZ 85038 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 5.00% |
| 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 | $3K | — | $3K | 42.23% |
| BENEFITMALL3 | PO BOX 29675 PHOENIX, AZ 85038 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 18.63% |
| 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 | $203 | — | $203 | 9.12% |
| BENEFITMALL3 | PO BOX 29675 PHOENIX, AZ 85038 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$21 | $132 | $111 | 4.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| REGENCE BLUECROSS BLUESHIELD OF ORE EIN 93-0238155 CLAIMS PROCESSING | Claims processing; Insurance brokerage commissions and fees; Float revenue; Other services; Direct payment from the plan; Non-monetary compensation; Contract Administrator Service code 12 | — | $1.2M |
| DAVIDSON BENEFITS AN ALERA AGENCY EIN 93-1263635 BROKER | Insurance agents and brokers Service code 22 | — | $64K |
| EXPRESS SCRIPTS INC EIN 43-1420563 PRESCRIPTION ADMIN | Contract Administrator; Claims processing Service code 12 | — | $31K |
| HR SIMPLIFIED EIN 41-1877873 CONTRACT ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $29K |
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 | 2,310 | 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) | 2,310 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,099 | $3.0M |
| Vision | VISION SERVICE PLAN | 1,617 | $195K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,310 | $304K |
| Short-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 932 | $235K |
| Long-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 623 | $191K |
| Prescription drug | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,099 | $3.0M |
| 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.