| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROWN RISK MANAGEMENT, LLC3 Filed as: NIEDERMEYER RISK MANAGEMENT LLC | 1500 SW 1ST AVE STE 1000 PORTLAND, OR 97201 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $39K | $41K | 4.24% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: NIEDERMEYER RISK MANAGEMENT LLC | 9340 SW BEAVERTON HILLSDALE HWY STE A BEAVERTON, OR 97005 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 6.66% |
| DAVIDSON BENEFITS PLANNING LLC3 | 7632 SW DURHAM RD STE 115 TIGARD, OR 97224 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 1.66% |
| GCG FINANCIAL LLC3 Filed as: DAVIDSON BENEFITS AN ALERA GROUP | 7632 SW DURHAM RD STE 115 TIGARD, OR 97224 | STANDARD INSURANCE COMPANY | $547 | — | $547 | 0.82% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: NIEDERMEYER RISK MANAGEMENT LLC | 9340 SW BEAVERTON HILLSDALE HWY STE A BEAVERTON, OR 97005 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 8.24% |
| GCG FINANCIAL LLC3 Filed as: DAVIDSON BENEFITS AN ALERA GROUP | 7632 SW DURHAM RD STE 115 TIGARD, OR 97224 | STANDARD INSURANCE COMPANY | $691 | — | $691 | 1.92% |
| DAVIDSON BENEFITS PLANNING LLC3 | 7632 SW DURHAM RD STE 115 TIGARD, OR 97224 | STANDARD INSURANCE COMPANY | $416 | — | $416 | 1.16% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: NIEDERMEYER RISK MANAGEMENT LLC | 9340 SW BEAVERTON HILLSDALE HWY BEAVERTON, OR 97005 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 5.17% |
| GCG FINANCIAL LLC3 Filed as: DAVIDSON BENEFITS AN ALERA GROUP | 7632 SW DURHAM RD STE 115 TIGARD, OR 97224 | STANDARD INSURANCE COMPANY | $570 | — | $570 | 1.68% |
| DAVIDSON BENEFITS PLANNING LLC3 | 7632 SW DURHAM RD STE 115 TIGARD, OR 97224 | STANDARD INSURANCE COMPANY | $288 | — | $288 | 0.85% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: NIEDERMEYER RISK MANAGEMENT LLC | 9340 SW BEAVERTON HILLSDALE HWY STE A BEAVERTON, OR 97005 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 5.94% |
| GCG FINANCIAL LLC3 Filed as: DAVIDSON BENEFITS AN ALERA GROUP | 7632 SW DURHAM RD STE 115 TIGARD, OR 97224 | STANDARD INSURANCE COMPANY | $466 | — | $466 | 2.02% |
| DAVIDSON BENEFITS PLANNING LLC3 | 7632 SW DURHAM RD STE 115 TIGARD, OR 97224 | STANDARD INSURANCE COMPANY | $201 | — | $201 | 0.87% |
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 | 145 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 23 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 177 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 205 | $969K |
| Dental | STANDARD INSURANCE COMPANY | 90 | $66K |
| Life insurance | STANDARD INSURANCE COMPANY | 143 | $23K |
| Short-term disability | STANDARD INSURANCE COMPANY | 142 | $34K |
| Long-term disability | STANDARD INSURANCE COMPANY | 143 | $36K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 205 | $969K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 205 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.