| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: DAVIDSON BENEFITS AN ALERA AGENCY | 7632 SW DURHAM RD STE 115 TIGARD, OR 97224 | SUN LIFE ASSURANCE COMPANY OF CANADA | $22K | $6K | $28K | 6.84% |
| GCG FINANCIAL LLC3 Filed as: DAVIDSON BENEFITS AN ALERA AGENCY | 7632 SW DURHAM RD STE 115 TIGARD, OR 97224 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $693 | — | $693 | 10.00% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK SUITE A BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $63 | $63 | 0.91% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LUCENT HEATLH SOLUTIONS EIN 39-1997579 ADMIN | Claims processing; Contract Administrator Service code 12 | — | $51K |
| DAVIDSON BENEFITS PLANNING EIN 93-1263635 INSURANCE AGENT | Insurance agents and brokers Service code 22 | 7632 SW DURHAM RD STE 115 TIGARD, OR 97224 | $27K |
| FIRST CHOICE HEALTH NETWORK EIN 91-1272766 PPO CHARGE | Other fees Service code 99 | 600 UNIVERSITY ST STE1400 SEATTLE, WA 98101 | $7K |
| TELADOC INC EIN 31-1368946 OTHER | Other fees Service code 99 | PO BOX 123417 DALLAS, TX 75312 | $3K |
| EXPRESS SCRIPTS EIN 43-1420563 OTHER | Other fees Service code 99 | — | $2K |
| IDAHO PHYSICIANS NETWORK EIN 82-0462950 OTHER | Other fees Service code 99 | 408 E PARKCENTER BLVD 1 BOISE, ID 83706 | $1K |
| FIRST HEALTH EIN 20-1274723 OTHER | Other fees Service code 99 | 23291 NETWORK PLACE CHICAGO, IL 60673 | $603 |
| HEALTH SMART EIN 75-2727437 OTHER | Other fees Service code 99 | PO BOX 207102 DALLAS, TX 75320 | $400 |
| AMERICAN HEALTH HOLDING EIN 31-1368946 OTHER | Other fees Service code 99 | PO BOX 360142 PITTSBURGH, PA 15250 | $5 |
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 | 177 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 161 | $7K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 161 | $404K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 161 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 161 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
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.