| 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 | ARMADACARE | $350 | — | $350 | 1.54% |
| GCG FINANCIAL LLC3 Filed as: DAVIDSON BENEFITS ALERA GROUP | 7632 SW DURHAM RD STE 115 TIGARD, OR 97224 | VISION SERVICE PLAN | $1K | — | $1K | 5.68% |
| GCG FINANCIAL LLC3 Filed as: DAVIDSON BENEFITS ALERA GROUP | 7632 SW DURHAM RD STE 115 TIGARD, OR 97224 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | — | $7K | 57.97% |
| THE PARTNERS GROUP3 Filed as: THE PARTNERS GROUP LTD | 11740 SW 68TH PKWY STE 200 PORTLAND, OR 97223 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 16.53% |
| BCS BENEFITS AND INSURANCE SVCS INC3 | 3031 STANFORD RANCH RD STE 2 ROCKLIN, CA 95765 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 25.00% |
| THE PARTNERS GOUP3 | 11740 SW 68TH PKWY STE 200 PORTLAND, OR 97223 | WILLAMETTE DENTAL INSURANCE INC | — | $875 | $875 | 12.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITEDHEALTHCARE INC EIN 36-2739571 CONTRACT ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $130K |
| QVI RISK SOLUTIONS INC EIN 57-1176571 CONTRACT ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $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 | 298 | 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) | 298 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ARMADACARE | 24 | $35K |
| Dental(2 contracts, 2 carriers) | WILLAMETTE DENTAL INSURANCE INC | 216 | $12K |
| Vision | VISION SERVICE PLAN | 248 | $18K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 49 | $8K |
| Prescription drug(2 contracts, 2 carriers) | ARMADACARE | 24 | $35K |
| Other | CASCADE CENTERS INC | 150 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 248 | — |
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.
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.