| 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 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $294 | $23K | $23K | 1.50% |
| GCG FINANCIAL LLC3 Filed as: DAVIDSON BENEFITS AN ALERA AGENCY | 7632 SW DURHAM RD STE 115 TIGARD, OR 97224 | PRINCIPAL LIFE INSURANCE COMPANY | $16K | — | $16K | 6.63% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC DBA ARMS | 965 GREENTREE RD STE 110 PITTSBURGH, PA 15224 | PRINCIPAL LIFE INSURANCE COMPANY | — | $3K | $3K | 1.14% |
| GCG FINANCIAL LLC3 Filed as: DAVIDSON BENEFITS AN ALERA GROUP | 7632 SW DURHAM RD STE 115 TIGARD, OR 97224 | WILLAMETTE DENTAL INSURANCE INC | $2K | — | $2K | 5.41% |
| GCG FINANCIAL LLC3 Filed as: DAVIDSON BENEFITS AN ALERA AGENCY | 7632 SW DURHAM RD STE 115 TIGARD, OR 97224 | KAISER FOUNDATION HEALTH PLAN INC | $381 | — | $381 | 2.86% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INS CO EIN 59-1031071 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $23K |
| WEX INC EIN 01-0526993 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $5K |
| HEALTHEQUITY INC EIN 52-2383166 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $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 | 181 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 236 | $1.5M |
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 268 | $268K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 236 | $1.5M |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 268 | $237K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 268 | $237K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 268 | $237K |
| Prescription drug(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 236 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 268 | — |
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."
No prospect flags tripped on this filing.