| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 1437 SW COLUMBIA STREET PORTLAND, OR 97201 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $27K | $1K | $29K | 3.10% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NORTHWEST | 825 NE MULTNOMAH STREET, SUITE 1500 PORTLAND, OR 97232 | WILLAMETTE DENTAL INSURANCE, INC. | $425 | $0 | $425 | 0.87% |
| CSNW BENEFITS3 | 1437 SW COLUMBIA STREET PORTLAND, OR 97201 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $934 | $4K | 11.56% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 965 GREENTREE ROAD, SUITE 110 PITTSBURGH, PA 15220 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $484 | $484 | 1.25% |
| CSNW BENEFITS3 | 1437 SW COLUMBIA STREET PORTLAND, OR 97201 | AMERITAS LIFE INSURANCE CORPORATION | $979 | $0 | $979 | 7.76% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 3 PARKWAY NORTH BOULEVARD SUITE 500 DEERFIELD, IL 60015 | AMERITAS LIFE INSURANCE CORPORATION | $0 | $466 | $466 | 3.69% |
| GCG FINANCIAL LLC3 Filed as: WILSON ALBERS | 1201 PACIFIC AVENUE, SUITE 2025 TACOMA, WA 98402 | AMERITAS LIFE INSURANCE CORPORATION | $0 | $233 | $233 | 1.85% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NORTHWEST | 825 NE MULTNOMAH STREET, SUITE 1500 PORTLAND, OR 97232 | AMERITAS LIFE INSURANCE CORPORATION | $99 | $0 | $99 | 0.78% |
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 | 118 | 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) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | 106 | $922K |
| Dental(2 contracts, 2 carriers) | WILLAMETTE DENTAL INSURANCE, INC. | 86 | $61K |
| Vision(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 157 | $51K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 157 | $39K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 157 | $39K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 157 | $39K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | 106 | $922K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 157 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 157 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.