| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: DAVIDSON BENEFITS PLANNING AN ALERA | 7632 SW DURHAM ROAD, SUITE 115 TIGARD, OR 97224 | REGENCE BLUECROSS BLUESHIELD OF OREGON | $92K | $2K | $94K | 2.94% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC - SEATTLE | JEANETTE BUSBY 1420 5TH AVE STE 1200 SEATTLE, WA 98101 | REGENCE BLUECROSS BLUESHIELD OF OREGON | $40K | $1K | $42K | 1.30% |
| MEGAN POPE3 | AON CONSULTING INC - SEATTLE 1420 5TH AVE STE 1200 SEATTLE, WA 98101 | REGENCE BLUECROSS BLUESHIELD OF OREGON | $27K | $1K | $29K | 0.90% |
| DAVIDSON BENEFITS PLANNING LLC3 Filed as: DAVIDSON BENEFITS PLANNING | 7632 SW DURHAM ROAD, SUITE 115 TIGARD, OR 97224 | THE GUARDIAN LIFE INSURANCE OF AMERICA | $21K | — | $21K | 8.50% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC | 1437 SW COLUMBIA ST PORTLAND, OR 97201 | THE GUARDIAN LIFE INSURANCE OF AMERICA | — | $7K | $7K | 2.90% |
| AON CONSULTING INC3 | 200 E RANDOLPH ST 10TH FLOOR CHICAGO, IL 60673 | THE GUARDIAN LIFE INSURANCE OF AMERICA | $5K | — | $5K | 2.03% |
| GCG FINANCIAL LLC3 Filed as: DAVIDSON BENEFITS PLANNING AN ALERA | 7632 SW DURHAM ROAD, SUITE 115 TIGARD, OR 97224 | OREGON DENTAL SERVICE DBA DELTA DENTAL PLAN OF OREGON | $15K | — | $15K | 6.54% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | OREGON DENTAL SERVICE DBA DELTA DENTAL PLAN OF OREGON | $8K | — | $8K | 3.45% |
| DAVIDSON BENEFITS PLANNING LLC3 Filed as: DAVIDSON BENEFITS PLANNING | 7632 SW DURHAM ROAD, SUITE 115 TIGARD, OR 97224 | VISION SERVICE PLAN | $3K | — | $3K | 6.56% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731298 | VISION SERVICE PLAN | $1K | — | $1K | 3.44% |
| DAVID BENEFITS PLANNING3 | 7632 SW DURHAM RD SUITE 115 TIGARD, OR 97224 | THE GUARDIAN LIFE INSURANCE OF AMERICA | $2K | — | $2K | 8.96% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC | 1437 SW COLUMBIA ST PORTLAND, OR 97201 | THE GUARDIAN LIFE INSURANCE OF AMERICA | — | $147 | $147 | 0.66% |
| PACIFIC ADVISORS LLC3 | 200 SW MARKET ST PORTLAND, OR 97201 | THE GUARDIAN LIFE INSURANCE OF AMERICA | $97 | — | $97 | 0.43% |
| DAVIDSON BENEFITS PLANNING LLC3 Filed as: DAVIDSON BENEFITS PLANNING | 7632 SW DURHAM ROAD, SUITE 115 TIGARD, OR 97224 | UNUM INSURANCE COMPANY | $2K | $603 | $2K | 16.40% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - SEATTLE | 29840 NETWORK PLACE CHICAGO, IL 606731296 | UNUM INSURANCE COMPANY | $36 | $6 | $42 | 0.29% |
| DAVIDSON BENEFITS PLANNING LLC3 Filed as: DAVIDSON BENEFITS PLANNING | 7632 SW DURHAM ROAD, SUITE 115 TIGARD, OR 97224 | UNUM INSURANCE COMPANY | $1K | $343 | $1K | 16.11% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - SEATTLE | 29840 NETWORK PLACE CHICAGO, IL 606731296 | UNUM INSURANCE COMPANY | $28 | $5 | $33 | 0.39% |
| DAVIDSON BENEFITS PLANNING LLC3 Filed as: DAVIDSON BENEFITS PLANNING | 7632 SW DURHAM ROAD, SUITE 115 TIGARD, OR 97224 | UNUM INSURANCE COMPANY | $912 | $304 | $1K | 15.96% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - SEATTLE | 29840 NETWORK PLACE CHICAGO, IL 606731296 | UNUM INSURANCE COMPANY | $11 | $2 | $13 | 0.17% |
| HOPING PEOPLE LLC4 | 1550 WEST HORIZON RIDGE PARKWAY SUITE R143 HENDERSON, NV 89012 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $333 | — | $333 | 9.50% |
| LAURA A. MARLEY4 | 2915 COUNTRY CLUB DR CAMERON PARK, CA 95682 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $26 | — | $26 | 0.74% |
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 | 225 | 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) | 225 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | REGENCE BLUECROSS BLUESHIELD OF OREGON | 404 | $3.2M |
| Dental | OREGON DENTAL SERVICE DBA DELTA DENTAL PLAN OF OREGON | 453 | $233K |
| Vision | VISION SERVICE PLAN | 172 | $43K |
| Life insurance | THE GUARDIAN LIFE INSURANCE OF AMERICA | 214 | $244K |
| Short-term disability(2 contracts) | THE GUARDIAN LIFE INSURANCE OF AMERICA | 214 | $266K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE OF AMERICA | 214 | $244K |
| Prescription drug | REGENCE BLUECROSS BLUESHIELD OF OREGON | 404 | $3.2M |
| Other(5 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE OF AMERICA | 214 | $278K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 453 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.