| 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 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | $341K | $346K | 4.04% |
| GCG FINANCIAL LLC3 Filed as: DAVIDSON BENEFITS ALERA AGENCY | 7632 SW DURHAM RD STE 115 TIGARD, OR 97224 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $70K | — | $70K | 9.93% |
| GCG FINANCIAL LLC3 Filed as: DAVIDSON BENEFITS AN ALERA AGENCY | 7632 SW DURHAM RD STE 115 TIGARD, OR 97224 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $27K | $575 | $27K | 4.02% |
| GCG FINANCIAL LLC3 Filed as: DAVIDSON BENEFITS AN ALERA AGENCY | 7632 SW DURHAM RD STE 115 TIGARD, OR 97224 | KAISER FOUNDATION HEALTH PLAN INC | $13K | — | $13K | 4.65% |
| GCG FINANCIAL LLC3 Filed as: DAVIDSON BENEFITS AN ALERA AGENCY | 7632 SW DURHAM RD STE 115 TIGARD, OR 97224 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $7K | — | $7K | 4.23% |
| GCG FINANCIAL LLC3 Filed as: DAVIDSON BENEFITS AN ALERA AGENCY | 7632 SW DURHAM ROAD STE 115 TIGARD, OR 97224 | VISION SERVICE PLAN | $3K | — | $3K | 2.54% |
| GCG FINANCIAL LLC3 Filed as: DAVIDSON BENEFITS AN ALERA AGENCY | 7632 SW DURHAM RD STE 115 TIGARD, OR 97224 | KAISER FOUNDATION HEALTH PLAN INC | $2K | — | $2K | 4.58% |
| GCG FINANCIAL LLC3 Filed as: DAVIDSON BENEFITS AN ALERA AGENCY | 7632 SW DURHAM RD STE 115 TIGARD, OR 97224 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | $2K | $20K | $22K | 52.67% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WAGEWORKS EIN 94-3351864 CONTRACT ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $27K |
| PRIME PAY EIN 03-0608841 CONTRACT ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $10K |
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 | 3,350 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 23 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 252 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,625 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 5 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,025 | $9.8M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 947 | $702K |
| Vision | VISION SERVICE PLAN | 772 | $105K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 947 | $702K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 947 | $702K |
| Prescription drug(6 contracts, 5 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,025 | $9.8M |
| Other | CASCADE CENTERS INC | 6,209 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,209 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.