| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRUEBENEFITS LLC3 Filed as: TRUEBENEFITS | 601 UNION STREET, SUITE 3400 SEATTLE, WA 98101 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $12K | $12K | 2.13% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK EAST DRIVE, SUITE 350 BEACHWOOD, OH 44122 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.31% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 3 PARKWAY NORTH BOULEVARD SUITE 500 DEERFIELD, IL 60015 | AMERITAS LIFE INSURANCE CORPORATION | $0 | $2K | $2K | 2.26% |
| GCG FINANCIAL LLC3 Filed as: WILSON ALBERS AN ALERA GROUP AGENCY | 1201 PACIFIC AVENUE, SUITE 2025 TACOMA, WA 98402 | AMERITAS LIFE INSURANCE CORPORATION | $0 | $873 | $873 | 1.13% |
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 | 552 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 22 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 574 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF WASHINGTON | 1,017 | $487K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 1,115 | $77K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 552 | $542K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 552 | $542K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 552 | $542K |
| Other(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 552 | $629K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,115 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.