| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEPHANIE R MURPHY3 Filed as: STEPHANIE R. MURPHY | 1030 NW 12TH AVE 502 PORTLAND, OR 97209 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 4.68% |
| DURHAM & BATES AGENCIES INC3 | 1030 NW 12TH AVE 502 PORTLAND, OR 97209 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 3.33% |
| GCG FINANCIAL LLC3 Filed as: DAVIDSON BENEFITS ALERA GROUP | 7632 SW DURHAM RD STE 115 TIGARD, OR 97224 | STANDARD INSURANCE COMPANY | $612 | — | $612 | 1.33% |
| DURHAM & BATES AGENCIES INC3 | 1030 NW 12TH AVENUE 502 PORTLAND, OR 97209 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 2.91% |
| STEPHANIE R MURPHY3 | 1030 NW 12TH AVENUE 502 PORTLAND, OR 97209 | STANDARD INSURANCE COMPANY | $955 | — | $955 | 2.52% |
| GCG FINANCIAL LLC3 Filed as: DAVIDSON BENEFITS ALERA GROUP | 7632 SW DURHAM RD STE 115 TIGARD, OR 97224 | STANDARD INSURANCE COMPANY | $458 | — | $458 | 1.21% |
| DURHAM & BATES AGENCIES INC3 | 1030 NW 12TH AVENUE 502 PORTLAND, OR 97209 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 6.10% |
| GCG FINANCIAL LLC3 Filed as: DAVIDSON BENEFITS ALERA GROUP | 7632 SW DURHAM RD STE 115 TIGARD, OR 97224 | STANDARD INSURANCE COMPANY | $385 | — | $385 | 1.31% |
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 | 144 | 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) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | STANDARD INSURANCE COMPANY | 135 | $38K |
| Short-term disability | STANDARD INSURANCE COMPANY | 133 | $29K |
| Long-term disability | STANDARD INSURANCE COMPANY | 132 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 135 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.