| 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 | KAISER FOUNDATION HEALTH PLAN INC | $2K | — | $2K | 0.17% |
| GCG FINANCIAL LLC3 Filed as: DAVIDSON BENEFITS AN ALERA AGENCY | 7632 SW DURHAM RD STE 115 TIGARD, OR 97224 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $4K | $1K | $5K | 0.46% |
| GCG FINANCIAL LLC3 Filed as: DAVIDSON BENEFITS AN ALERA AGENCY | 7632 SW DURHAM RD STE 115 TIGARD, OR 97224 | KAISER FOUNDATION HEALTH PLAN INC | $21 | — | $21 | 0.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE DBA BENEFITMALL | 2111 E HIGHLAND AVE UNIT B210 PHOENIX, AZ 85016 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $67K | $52K | $119K | 17.74% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE DBA BENEFITMALL | 2111 E HIGHLAND AVE UNIT B210 PHOENIX, AZ 85016 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $34K | $27K | $61K | 18.18% |
| BENEFITMALL3 Filed as: CORNERSTONE DBA BENEFITMALL | 2111 E HIGHLAND AVE UNIT B210 PHOENIX, AZ 85016 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $38K | $10K | $48K | 19.00% |
| GCG FINANCIAL LLC3 Filed as: DAVIDSON BENEFITS AN ALERA AGENCY | 4632 SW DURHAM RD STE 115 TIGARD, OR 97224 | EYEMED VISION CARE/COMBINED INS CO OF AMERICA | $12K | — | $12K | 5.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE DBA BENEFITMALL | 2111 E HIGHLAND AVE UNIT B210 PHOENIX, AZ 85016 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $19K | $16K | $35K | 18.44% |
| BENEFITMALL3 Filed as: CORNERSTONE DBA BENEFITMALL | 2111 E HIGHLAND AVE UNIT B210 PHOENIX, AZ 85016 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $16K | $4K | $21K | 19.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE DBA BENEFITMALL | 2111 E HIGHLAND AVE UNIT B210 PHOENIX, AZ 85016 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | $8K | $17K | 19.30% |
| GCG FINANCIAL LLC3 Filed as: DAVIDSON BENEFITS AN ALERA AGENCY | 7632 SW DURHAM RD STE 115 TIGARD, OR 97224 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $1K | $60 | $1K | 1.87% |
| GCG FINANCIAL LLC3 Filed as: DAVIDSON BENEFITS AN ALERA AGENCY | 7632 SW DURHAM RD STE 115 TIGARD, OR 97224 | METLIFE LEGAL PLANS | $5K | — | $5K | 10.79% |
| GCG FINANCIAL LLC3 Filed as: DAVIDSON BENEFITS AN ALERA AGENCY | 7632 SW DURHAM RD STE 115 TIGARD, OR 97224 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | — | $15 | $15 | 0.10% |
| GCG FINANCIAL LLC3 Filed as: DAVIDSON BENEFITS AN ALERA AGENCY | 7632 SW DURHAM RD STE 115 TIGARD, OR 97224 | EYEMED VISION CARE | $97 | — | $97 | 4.71% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $1.4M |
| DELTA DENTAL OF CALIFORNIA EIN 94-1461312 CONTRACT ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $123K |
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 | 2,157 | 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) | 2,157 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(9 contracts, 8 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 810 | $3.8M |
| Dental | HAWAII MEDICAL SERVICE ASSOCIATION | 14 | $170K |
| Vision(3 contracts, 3 carriers) | EYEMED VISION CARE/COMBINED INS CO OF AMERICA | 3,340 | $422K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 3,686 | $860K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 774 | $110K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 4,486 | $336K |
| Prescription drug(8 contracts, 7 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 227 | $3.5M |
| Other(4 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 3,686 | $583K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,486 | — |
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.