| 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 | CIGNA | $15K | $0 | $15K | 10.22% |
| GCG FINANCIAL LLC3 Filed as: CSNW BENEFITS AN ALERA AGENCY | 1437 SW COLUMBIA STREET PORTLAND, OR 97201 | AMERITAS LIFE INSURANCE CORP. | $2K | $0 | $2K | 5.17% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH BLVD, SUITE 500 DEERFIELD, IL 60015 | AMERITAS LIFE INSURANCE CORP. | $0 | $947 | $947 | 2.06% |
| GCG FINANCIAL LLC3 Filed as: WILSON ALBERS AN ALERA GROUP AGENCY | 1201 PACIFIC AVE, SUITE 2025 TACOMA, WA 98402 | AMERITAS LIFE INSURANCE CORP. | $0 | $474 | $474 | 1.03% |
| GCG FINANCIAL LLC3 Filed as: CSNW BENEFITS AN ALERA AGENCY | 1437 SW COLUMBIA STREET PORTLAND, OR 97201 | PRINCIPAL LIFE INSURANCE COMPANY | $494 | $259 | $753 | 15.21% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC | 3 PARKWAY N BLVD SUITE 300 DEERFIELD, IL 60015 | PRINCIPAL LIFE INSURANCE COMPANY | $575 | $0 | $575 | 11.61% |
| GCG FINANCIAL LLC3 Filed as: ALERA GENERAL AGENCY INSURANCE SERV | 4550 LENA DR MECHANICSBURG, PA 17055 | PRINCIPAL LIFE INSURANCE COMPANY | $123 | $0 | $123 | 2.48% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC DBA ARMS | 965 GREENTREE RD STE 110 PITTSBURGH, PA 15220 | PRINCIPAL LIFE INSURANCE COMPANY | $123 | $0 | $123 | 2.48% |
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 | 70 | 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) | 70 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA | 74 | $143K |
| Dental | AMERITAS LIFE INSURANCE CORP. | 68 | $46K |
| Vision(3 contracts, 3 carriers) | CIGNA | 74 | $194K |
| Prescription drug | CIGNA | 74 | $143K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 74 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.