| 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 | REGENCE BLUECROSS OF OREGON | $9K | $0 | $9K | 5.75% |
| GCG FINANCIAL LLC3 Filed as: CSNW BENEFITS AN ALERA AGENCY | 1437 SW COLUMBIA STREET PORTLAND, OR 97201 | PRINCIPAL LIFE INSURANCE COMPANY | $10K | $1K | $11K | 11.29% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC | 3 PARKWAY N BLVD SUITE 300 DEERFIELD, IL 60015 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 2.70% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALLIED BENEFIT SYSTEMS, LLC EIN 36-3086057 TPA | Claims processing Service code 12 | 200 W ADAMS ST CHICAGO, IL 60606 | $41K |
| ALERA GROUP, INC (CSNW BENEFITS EIN 81-4473358 BROKER | Insurance agents and brokers Service code 22 | 1437 SW COLUMBIA ST PORTLAND, OR 97201 | $25K |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 PPO | Insurance services Service code 23 | 151 FARMINGTON AVE HARTFORD, CT 06156 | $16K |
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 | 98 | 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) | 98 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | REGENCE BLUECROSS OF OREGON | 89 | $161K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 98 | $101K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 98 | $101K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 98 | $101K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 98 | $101K |
| Prescription drug | REGENCE BLUECROSS OF OREGON | 89 | $161K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 98 | $101K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 98 | — |
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.