| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROPEL INSURANCE AGENCY LLC3 Filed as: PROPEL INSURANCE AGENCY, LLC | PO BOX 936 MEDFORD, OR 97501 | REGENCE BLUE CROSS AND BLUE SHIELD OF OREGON | $110K | $6K | $116K | 3.07% |
| PROPEL INSURANCE AGENCY LLC3 Filed as: PROPEL INSURANCE AGENCY, LLC | PO BOX 936 MEDFORD, IL 97501 | AMERITAS LIFE INSURANCE CORPORATION | $26K | $0 | $26K | 9.78% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 3 PARKWAY NORTH BOULEVARD SUITE 500 DEERFIELD, IL 60015 | AMERITAS LIFE INSURANCE CORPORATION | $0 | $667 | $667 | 0.26% |
| PROPEL INSURANCE AGENCY LLC3 Filed as: PROPEL INSURANCE AGENCY, LLC | 1201 PACIFIC AVENUE, SUITE 100 TACOMA, WA 98402 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $15K | $0 | $15K | 11.46% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 3 PARKWAY NORTH BOULEVARD SUITE 500 DEERFIELD, IL 60015 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $8K | $0 | $8K | 5.94% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $83 | $83 | 0.06% |
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 | 482 | 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) | 482 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | REGENCE BLUE CROSS AND BLUE SHIELD OF OREGON | 526 | $3.8M |
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 585 | $261K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 585 | $261K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 401 | $131K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 401 | $131K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 401 | $131K |
| Prescription drug | REGENCE BLUE CROSS AND BLUE SHIELD OF OREGON | 526 | $3.8M |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 482 | $181K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 585 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.