| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: CSNW BENEFITS AN ALERA AGENCY | 1437 SW COLUMBIA STREET PORTLAND, OR 97201 | MODA HEALTH | $17K | $0 | $17K | 3.00% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC, DBA CSNW BENEFITS | 1437 SW COLUMBIA STREET PORTLAND, OR 97201 | KAISER PERMANENTE | $12K | $4 | $12K | 3.00% |
| GCG FINANCIAL LLC3 Filed as: CSNW BENEFITS,AN ALERA GROUP AGENCY | 1437 SW COLUMBIA ST PORTLAND, OR 97201 | PRINCIPAL FINANCIAL | $6K | $2K | $9K | 10.03% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC | 3 PARKWAY N BLVD SUITE 300 DEERFIELD, IL 60015 | PRINCIPAL FINANCIAL | $0 | $1K | $1K | 1.29% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC DBA ARMS | 965 GREENTREE RD, SUITE 110 PITTSBURGH, PA 15220 | PRINCIPAL FINANCIAL | $0 | $1K | $1K | 1.26% |
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 | 113 | 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) | 113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | MODA HEALTH | 64 | $950K |
| Dental(2 contracts, 2 carriers) | KAISER PERMANENTE | 113 | $477K |
| Vision | PRINCIPAL FINANCIAL | 113 | $86K |
| Life insurance | PRINCIPAL FINANCIAL | 113 | $86K |
| Short-term disability | PRINCIPAL FINANCIAL | 113 | $86K |
| Long-term disability | PRINCIPAL FINANCIAL | 113 | $86K |
| Other | PRINCIPAL FINANCIAL | 113 | $86K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 113 | — |
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.