| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: CSNW BENEFITS AN ALERA GROUP AGENCY | 1437 SW COLUMBIA ST PORTLAND, OR 97201 | PROVIDENCE HEALTH PLAN | $21K | $0 | $21K | 3.00% |
| GCG FINANCIAL LLC3 Filed as: CSNW BENEFITS AN ALERA GROUP AGENCY | 1437 SW COLUMBIA ST PORTLAND, OR 97201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 6.83% |
| NATIONAL BENEFIT CENTER3 Filed as: NATIONAL BENEFIT CENTER LLC | 3700 PARK EAST DR SUITE 350 BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 2.10% |
| GCG FINANCIAL LLC3 Filed as: CSNW BENEFITS AN ALERA GROUP AGENCY | 1437 SW COLUMBIA ST PORTLAND, OR 97201 | WILLAMETTE DENTAL INSURANCE INC | $2K | $0 | $2K | 5.00% |
| GCG FINANCIAL LLC3 Filed as: CSNW BENEFITS,AN ALERA GROUP AGENCY | 1437 SW COLUMBIA ST PORTLAND, OR 97201 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | $489 | $2K | 13.51% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY N BLVD SUITE 300 DEERFIELD, IL 60015 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $647 | $647 | 4.90% |
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 | 138 | 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) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PROVIDENCE HEALTH PLAN | 134 | $703K |
| Dental(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 78 | $89K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 138 | $13K |
| Prescription drug | PROVIDENCE HEALTH PLAN | 134 | $703K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 138 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.