| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: DAVIDSON BENEFITS AN ALERA AGENCY | 7632 SW DURHAM RD STE 115 TIGARD, OR 97224 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $17K | $10K | $27K | 8.93% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DAVIDSON BENEFITS AN ALERA AGENCY EIN 81-4473358 BROKER | Insurance agents and brokers Service code 22 | — | $50K |
| PREMERA BLUE CROSS EIN 91-0499247 CONTRACT ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $22K |
| HR SIMPLIFIED EIN 41-1877873 CONTRACT ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $9K |
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 | 199 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 202 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | LIFEWISE ASURANCE COMPANY | 189 | $418K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 247 | $298K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 247 | $298K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 247 | $298K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 247 | $298K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 247 | $298K |
| Prescription drug | UNIVERSITY HEALTH ALLIANCE | 4 | $8K |
| Stop-loss / reinsurancereinsurance | LIFEWISE ASURANCE COMPANY | 189 | $410K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 247 | $298K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 247 | — |
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."
No prospect flags tripped on this filing.