| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: WILSON ALBERS AN ALERA GROUP AGENCY | 1201 PACIFIC AVENUE, SUITE 2025 TACOMA, WA 98402 | AMERITAS LIFE INSURANCE CORP. | $0 | $2K | $2K | 0.94% |
| TRUEBENEFITS LLC3 | 601 UNION ST STE 3400 SEATTLE, WA 98101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $2K | $10K | 18.85% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK EAST DR STE 350 BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 2.57% |
| TRUEBENEFITS LLC3 | 601 UNION ST STE 3400 SEATTLE, WA 98101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $1K | $6K | 19.39% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK EAST DR STE 350 BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $976 | $976 | 2.92% |
| TRUEBENEFITS LLC3 | 601 UNION ST STE 3400 SEATTLE, WA 98101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $768 | $4K | 18.65% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK EAST DR STE 350 BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $512 | $512 | 2.43% |
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 | 241 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 250 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 337 | $2.6M |
| Dental(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORP. | 352 | $188K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 352 | $167K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 241 | $72K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 105 | $33K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 337 | $2.6M |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 241 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 352 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.