| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: DAVIDSON BENEFITS PLANNING ALERA GR | 7632 SW DURHAM RD STE 115 TIGARD, OR 97224 | REGENCE BLUECROSS BLUESHIELD | $8K | $504 | $9K | 3.68% |
| GCG FINANCIAL LLC3 Filed as: DAVIDSON BENEFITS PLANNING ALERA GR | 7632 SW DURHAM RD STE 115 TIGARD, OR 97224 | KAISER FOUNDATION HEALTH PLAN INC - CA | $5K | — | $5K | 5.73% |
| DAVIDSON BENEFITS PLANNING LLC3 | 7632 SW DURHAM RD 115 TIGARD, OR 97224 | UNITED CONCORDIA INSURANCE COMPANY | $9K | $1K | $10K | 11.25% |
| GCG FINANCIAL LLC3 Filed as: DAVIDSON BENEFITS PLANNING ALERA GR | 7632 SW DURHAM RD STE 115 TIGARD, OR 97224 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $2K | $51 | $2K | 3.12% |
| DAVIDSON BENEFITS PLANNING LLC3 | 7632 SW DURHAM RD STE 115 TIGARD, OR 97224 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $256 | $3K | 16.10% |
| GCG FINANCIAL LLC3 Filed as: DAVIDSON BENEFITS PLANNING ALERA GR | 7632 SW DURHAM RD STE 115 TIGARD, OR 97224 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $341 | — | $341 | 2.84% |
| GCG FINANCIAL LLC3 Filed as: DAVIDSON BENEFITS PLANNING ALERA GR | 7632 SW DURHAM RD STE 115 TIGARD, OR 97224 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $429 | $10 | $439 | 5.22% |
| DAVIDSON BENEFITS PLANNING LLC3 | 7632 SW DURHAM RD 115 TIGARD, OR 97224 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $841 | $103 | $944 | 11.94% |
| GCG FINANCIAL LLC3 Filed as: DAVIDSON BENEFITS PLANNING ALERA GR | 7632 SW DURHAM RD STE 115 TIGARD, OR 97224 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $125 | $4 | $129 | 1.91% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE LOOMIS COMPANY EIN 23-2238132 CONTRACT ADMINISTRATOR | Claims processing Service code 12 | — | $25K |
| DAVIDSON BENEFITS COMPANY/ALERA GR EIN 93-1263635 INSURANCE BROKER | Insurance agents and brokers Service code 22 | — | $18K |
| FIRST HEALTH GROUP CORP EIN 36-3307583 CONTRACT ADMINISTRATOR | Claims processing Service code 12 | — | $4K |
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 | 251 | 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) | 251 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | REGENCE BLUECROSS BLUESHIELD | 20 | $421K |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 113 | $87K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 397 | $28K |
| Short-term disability(2 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 60 | $15K |
| Prescription drug(4 contracts, 4 carriers) | REGENCE BLUECROSS BLUESHIELD | 20 | $421K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 397 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 397 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.