| 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 | SYMETRA LIFE INSURANCE COMPANY | — | $139K | $139K | 5.19% |
| 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 | $10K | — | $10K | 4.57% |
| BENEFITMALL3 | PO BOX 29675 PHOENIZ, AZ 85038 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $10K | $10K | 4.57% |
| BENEFITMALL3 | PO BOX 29675 PHOENIX, AZ 85038 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$225 | $9K | $8K | 4.59% |
| GCG FINANCIAL LLC3 Filed as: DAVIDSON BENEFITS AN ALERA AGENCY | 7632 SW DURHAM RD STE 115 TIGARD, OR 97224 | UNUM INSURANCE COMPANY | $14K | $5K | $19K | 20.01% |
| BENEFITMALL3 | PO BOX 29675 PHOENIX, AZ 85038 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $4K | $4K | 4.59% |
| 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 | 7.27% |
| BENEFITMALL3 | PO BOX 29675 PHOENIX, AZ 85038 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $3K | $3K | 4.59% |
| BENEFITMALL3 | PO BOX 29675 PHOENIX, AZ 85038 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 4.59% |
| 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 | $438 | — | $438 | 9.10% |
| BENEFITMALL3 | PO BOX 29675 PHOENIX, AZ 85038 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $219 | $219 | 4.55% |
| 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 | $645 | — | $645 | 13.83% |
| BENEFITMALL3 | PO BOX 29675 PHOENIX, AZ 85038 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $213 | $213 | 4.57% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| REGENCE BLUECROSS BLUESHIELD OF ORE EIN 93-0238155 CLAIMS PROCESSING | Non-monetary compensation; Contract Administrator; Float revenue; Claims processing; Insurance brokerage commissions and fees; Direct payment from the plan; Other services Service code 12 | — | $1.2M |
| HR SIMPLIFIED EIN 41-1877873 CONTRACT ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $37K |
| EXPRESS SCRIPTS INC EIN 43-1420563 PRESCRIPTION ADMIN | Contract Administrator; Claims processing Service code 12 | — | $30K |
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 | 3,000 | 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) | 3,000 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SYMETRA LIFE INSURANCE COMPANY | 1,787 | $2.7M |
| Vision | VISION SERVICE PLAN | 1,636 | $168K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,315 | $298K |
| Short-term disability(2 contracts, 2 carriers) | UNUM INSURANCE COMPANY | 910 | $100K |
| Long-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 614 | $189K |
| Prescription drug | SYMETRA LIFE INSURANCE COMPANY | 1,787 | $2.7M |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 1,787 | $2.7M |
| Other(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,000 | $152K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,000 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.