| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROPEL INSURANCE AGENCY, LLC3 Filed as: PROPEL INSURANCE AGENCY LLC | 1201 PACIFIC AVE STE 1000 TACOMA, WA 98402 | PREMERA BLUE CROSS | $28K | — | $28K | 0.42% |
| SMITH BROTHERS INSURANCE LLC3 Filed as: C M SMITH AGENCY INC | 100 PEARL ST 3RD FL WEST TOWER HARTFORD, CT 06103 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $35K | $37K | $72K | 3.52% |
| SMITH BROTHERS INSURANCE LLC3 Filed as: C M SMITH AGENCY INC | 100 PEARL ST 3RD FL WEST TOWER HARTFORD, CT 06103 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $27K | $29K | 1.92% |
| SMITH BROTHERS INSURANCE LLC3 Filed as: C M SMITH AGENCY INC | 100 PEARL STREET FL 3 WEST TOWER HARTFORD, CT 06103 | KAISER FOUNDATION HEALTH PLAN INC. | $42K | — | $42K | 2.73% |
| GCG FINANCIAL LLC3 Filed as: BOSTON BENEFIT PARTNERS AN ALERA | 177 MILK STREET 3RD FLOOR BOSTON, MA 02109 | KAISER FOUNDATION HEALTH PLAN INC. | $29K | — | $29K | 1.88% |
| SMITH BROTHERS INSURANCE LLC3 Filed as: C M SMITH AGENCY INC | 100 PEARL ST 3RD FL WEST TOWER HARTFORD, CT 06103 | KAISER FOUNDATION HEALTH PLAN INC | $19K | — | $19K | 2.93% |
| GCG FINANCIAL LLC3 Filed as: BOSTON BENEFIT PARTNERS AN ALERA | 177 MILK STREET 3RD FLOOR BOSTON, MA 02109 | KAISER FOUNDATION HEALTH PLAN INC | $14K | — | $14K | 2.05% |
| YARBROUGH, KENNETH C3 Filed as: YARBROUGH KENNETH C | 3224 LANIER DRIVE ATLANTA, GA 30319 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $74K | $10K | $84K | 19.10% |
| GCG FINANCIAL LLC3 Filed as: MORRIS & BOYLE AN ALERA GROUP | 1850 MT DIABLO BLVD SUITE 430 WALNUT CREEK, CA 94596 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $55K | $7K | $63K | 14.32% |
| GCG FINANCIAL LLC3 Filed as: TIPPETT MOORHEAD & HADEN AN ALERA | 3200 PARK CENTER DR STE 550 COSTA MESA, CA 92626 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $55K | — | $55K | 12.65% |
| GCG FINANCIAL LLC3 Filed as: LIGHTHOUSE GROUP AN ALERA GROUP | 56 GRANDVILLE AVE SW STE 300 GRAND RAPIDS, MI 49503 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $21K | $3K | $23K | 5.31% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $9K | $9K | 2.14% |
| SMITH BROTHERS INSURANCE LLC3 Filed as: C M SMITH AGENCY INC | 100 PEARL ST 3RD FL WEST TOWER HARTFORD, CT 06103 | UNUM INSURANCE COMPANY | — | $8K | $8K | 1.88% |
| SMITH BROTHERS INSURANCE LLC3 Filed as: C M SMITH AGENCY INC | 100 PEARL ST 3RD FL WEST TOWER HARTFORD, CT 06103 | UNUM INSURANCE COMPANY | $17K | $8K | $25K | 8.18% |
| BENEFIT ADVISORS NETWORK LLC3 Filed as: BENEFIT ADVISORS NETWORK | 3700 PARK EAST DRIVE SUITE 350 BEACHWOOD, OH 44122 | UNUM INSURANCE COMPANY | — | $2 | $2 | 0.00% |
| YARBROUGH, KENNETH C3 Filed as: YARBROUGH KENNETH C | 3224 LANIER DRIVE ATLANTA, GA 30319 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $8K | $1K | $9K | 21.73% |
| GCG FINANCIAL LLC3 Filed as: MORRIS & BOYLE AN ALERA GROUP | 1850 MT DIABLO BLVD STE 430 WALNUT CREEK, CA 94596 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $6K | $811 | $7K | 16.30% |
| GCG FINANCIAL LLC3 Filed as: TIPPETT MOORHEAD & HADEN AN ALERA | 3200 PARK CENTER DRIVE SUITE 550 COSTA MESA, CA 92626 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $6K | — | $6K | 14.39% |
| GCG FINANCIAL LLC3 Filed as: LIGHTHOUSE GROUP AN ALERA GROUP | 56 GRANDVILLE AVE SW STE 300 GRAND RAPIDS, MI 49503 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $2K | $300 | $3K | 6.04% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | — | $904 | $904 | 2.13% |
| GCG FINANCIAL LLC3 Filed as: MORRIS & BOYLE AN ALERA GROUP | 1850 MT DIABLO BLVD SUITE 430 WALNUT CREEK, CA 94596 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $1K | $3K | 19.84% |
| YARBROUGH, KENNETH C3 Filed as: YARBROUGH KENNETH C | 3224 LANIER DRIVE ATLANTA, GA 30319 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $389 | $3K | 19.74% |
| GCG FINANCIAL LLC3 Filed as: TIPPETT MOORHEAD & HADEN AN ALERA | 3200 PARK CENTER DR STE 550 COSTA MESA, CA 94626 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $844 | $3K | 18.10% |
| GCG FINANCIAL LLC3 Filed as: LIGHTHOUSE GROUP AN ALERA GROUP | 56 GRANDVILLE AVE SW STE 300 GRAND RAPIDS, MI 49503 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $813 | $421 | $1K | 7.35% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC DBA NATIONAL | 375 NORTHRIDGE RD STE 515 ATLANTA, GA 30350 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $1K | $1K | 6.70% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $358 | $358 | 2.13% |
| GCG FINANCIAL LLC3 | 3 PARKWAY N STE 500 DEERFIELD, IL 60015 | FEDERAL INSURANCE COMPANY | $2K | — | $2K | 15.00% |
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 | 4,554 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 84 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,638 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | PREMERA BLUE CROSS | 879 | $8.9M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 317 | $56K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,554 | $3.6M |
| Long-term disability(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,554 | $2.5M |
| Prescription drug | PREMERA BLUE CROSS | 879 | $6.6M |
| Other(6 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,554 | $4.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,554 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.