| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: DAVIDSON BENEFITS ALERA GROUP | 7632 SW DURHAM RD STE 115 TIGARD, OR 97224 | REGENCE BLUECROSS BLUESHIELD OF OREGON | $19K | $840 | $19K | 4.33% |
| GCG FINANCIAL LLC3 Filed as: DAVIDSON BENEFITS ALERA GROUP | 7632 SW DURHAM RD STE 115 TIGARD, OR 97224 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 14.50% |
| GCG FINANCIAL LLC3 Filed as: DAVIDSON BENEFITS ALERA GROUP | 7632 SW DURHAM RD STE 115 TIGARD, OR 97224 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| JAMES H. VAN EPPS3 Filed as: JAMES H VAN EPPS | 10930 CRABAPPLE RD STE 206 ROSWELL, GA 30075 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $307 | $7 | $314 | 4.40% |
| CHARLES D. BLOCK3 Filed as: CHARLES D BLOCK | 648 VILLAGE PARK DR UNIT 208 WILMINGTON, NC 28405 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $94 | $57 | $151 | 2.12% |
| GCG FINANCIAL LLC3 Filed as: DAVIDSON BENEFITS ALERA GROUP | 7632 SW DURHAM RD STE 115 TIGARD, OR 97224 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $94 | $20 | $114 | 1.60% |
| GCG FINANCIAL LLC3 Filed as: DAVIDSON BENEFITS ALERA GROUP | 7632 SW DURHAM RD STE 115 TIGARD, OR 97224 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 20.00% |
| GCG FINANCIAL LLC3 Filed as: DAVIDSON BENEFITS ALERA GROUP | 7632 SW DURHAM RD STE 115 TIGARD, OR 97224 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $555 | — | $555 | 15.00% |
| GCG FINANCIAL LLC3 Filed as: DAVIDSON BENEFITS ALERA GROUP | 7632 SW DURHAM RD STE 115 TIGARD, OR 97224 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $396 | — | $396 | 15.01% |
| GCG FINANCIAL LLC3 Filed as: DAVIDSON BENEFITS ALERA GROUP | 7632 SW DURHAM RD STE 115 TIGARD, OR 97224 | LEGAL ACCESS CONSULTING | — | $201 | $201 | 9.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DISCOVERY BENEFITS EIN 90-0058554 CONTRACT ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $2K |
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 | 176 | 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) | 176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | REGENCE BLUECROSS BLUESHIELD OF OREGON | 89 | $456K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 176 | $45K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 176 | $45K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 82 | $9K |
| Short-term disability(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 82 | $22K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 82 | $4K |
| Prescription drug | REGENCE BLUECROSS BLUESHIELD OF OREGON | 89 | $448K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 36 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 176 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.