| 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 | $29K | $12 | $29K | 3.38% |
| GCG FINANCIAL LLC3 Filed as: CSNW BENEFITS,AN ALERA GROUP AGENCY | 1437 SW COLUMBIA ST PORTLAND, OR 97201 | UNITED OF OMAHA | $22K | $17K | $39K | 12.19% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC | 3 PARKWAY N BLVD SUITE 500 DEERFIELD, IL 60015 | UNITED OF OMAHA | $0 | $2K | $2K | 0.77% |
| GCG FINANCIAL LLC3 Filed as: CSNW BENEFITS,AN ALERA GROUP AGENCY | 1437 SW COLUMBIA ST PORTLAND, OR 97201 | WILLAMETTE DENTAL GROUP | $3K | $6K | $9K | 15.00% |
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 | 177 | 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) | 177 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER PERMANENTE | 196 | $862K |
| Dental(2 contracts, 2 carriers) | UNITED OF OMAHA | 177 | $380K |
| Vision | UNITED OF OMAHA | 177 | $320K |
| Life insurance | UNITED OF OMAHA | 177 | $320K |
| Long-term disability | UNITED OF OMAHA | 177 | $320K |
| Prescription drug | KAISER PERMANENTE | 196 | $862K |
| Other | UNITED OF OMAHA | 177 | $320K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 196 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.