| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC DBA CSNW BENEFITS | 1437 SW COLUMBIA ST PORTLAND, OR 97201 | KAISER PERMANENTE | $37K | $37K | $73K | 5.94% |
| GCG FINANCIAL LLC3 Filed as: CSNW BENEFITS,AN ALERA GROUP AGENCY | 1437 SW COLUMBIA ST PORTLAND, OR 97201 | UNITED OF OMAHA | $13K | $13K | $27K | 25.74% |
| GCG FINANCIAL LLC3 Filed as: RPC, ALERA GROUP | 1437 SW COLUMBIA ST PORTLAND, OR 97201 | WILLAMETTE DENTAL GROUP | $3K | $3K | $5K | 9.10% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC DBA CSNW BENEFITS | 1437 SW COLUMBIA ST PORTLAND, OR 97201 | LINCOLN FINANCIAL GROUP | $5K | $5K | $10K | 20.00% |
| NATIONAL BENEFIT CENTER3 Filed as: NATIONAL BENEFIT CENTER LLC | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | LINCOLN FINANCIAL GROUP | $68 | $68 | $136 | 0.28% |
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 | 188 | 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) | 188 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER PERMANENTE | 188 | $1.2M |
| Dental(2 contracts, 2 carriers) | WILLAMETTE DENTAL GROUP | 100 | $104K |
| Vision | LINCOLN FINANCIAL GROUP | 64 | $49K |
| Life insurance | UNITED OF OMAHA | 173 | $105K |
| Long-term disability | UNITED OF OMAHA | 173 | $105K |
| Other | UNITED OF OMAHA | 173 | $105K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 188 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.