| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: DAVIDSON BENEFITS AN ALERA AGENCY | 7632 SW DURHAM RD STE 115 TIGARD, OR 97224 | PREMERA BLUE CROSS | $12K | — | $12K | 1.34% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF OREGON LLC | PO BOX 743061 LOS ANGELES, CA 900743061 | PREMERA BLUE CROSS | $10K | — | $10K | 1.12% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF OREGON LLC | PO BOX 29018 PORTLAND, OR 97296 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 2.88% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NY INC | 595 STEWART AVE STE 700 GARDEN CITY, NY 11530 | STANDARD INSURANCE COMPANY | $555 | — | $555 | 1.40% |
| GCG FINANCIAL LLC3 Filed as: DAVIDSON BENEFITS AN ALERA AGENCY | 7632 SW DURHAM RD STE 115 TIGARD, OR 97224 | STANDARD INSURANCE COMPANY | $344 | — | $344 | 0.87% |
| GCG FINANCIAL LLC3 Filed as: DAVIDSON BENEFITS AN ALERA AGENCY | 7632 SW DURHAM RD STE 115 TIGARD, OR 97224 | WILLAMETTE DENTAL OF WASHINGTON INC | $906 | $4K | $5K | 14.64% |
| 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 | $551 | — | $551 | 2.25% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN NORTHWEST | 2701 NW VAUGHN ST STE 340 PORTLAND, OR 97210 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $549 | — | $549 | 2.24% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN NORTHWEST | PO BOX 29018 PORTLAND, OR 97296 | VISION SERVICE PLAN | $401 | — | $401 | 4.94% |
| GCG FINANCIAL LLC3 Filed as: DAVIDSON BENEFITS AN ALERA AGENCY | 7632 SW DURHAM RD STE 115 TIGARD, OR 97224 | VISION SERVICE PLAN | $160 | — | $160 | 1.97% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF OREGON LLC | 220 NW 2ND AVE 800 PORTLAND, OR 97209 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $216 | — | $216 | 2.72% |
| 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 | $181 | — | $181 | 2.28% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF OREGON LLC | 2701 NW VAUGHN STE 340 PORTLAND, OR 97210 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $71 | — | $71 | 2.66% |
| GCG FINANCIAL LLC3 Filed as: DAVIDSON BENEIFTS AN ALERA AGENCY | 7632 SW DURHAM RD STE 115 TIGARD, OR 97224 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $49 | — | $49 | 1.84% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CASCADE CENTERS INC EIN 93-0774210 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $6K |
| WEX INC EIN 90-0058554 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $3K |
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 | 406 | 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) | 406 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PREMERA BLUE CROSS | 98 | $924K |
| Dental(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 79 | $74K |
| Vision | VISION SERVICE PLAN | 111 | $8K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 423 | $24K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 29 | $8K |
| Prescription drug | PREMERA BLUE CROSS | 98 | $924K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 423 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 423 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.