| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GRIFFIN, STEVEN, RAY3 | 2000 MORRIS AVE STE 1400 BIRMINGHAM, AL 35203 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $46K | $5K | $52K | 11.89% |
| JOHN J DAVIDSON3 | 7632 SW DURHAM RD STE 115 TIGARD, OR 97224 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $16K | — | $16K | 3.79% |
| GCG FINANCIAL LLC3 Filed as: DAVIDSON BENEFITS ALERA GROUP | 7632 SW DURHAM RD STE 115 TIGARD, OR 97224 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $14K | $365 | $14K | 3.30% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DR NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 1.25% |
| EINSTEIN BENEFIT COMMUNICATIONS LLC3 | 728 LEGENDS CREST DR FRANKLIN, TN 37069 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $739 | — | $739 | 0.17% |
| THE PARTNERS GROUP3 | 11740 SW 68TH PARKWAY STE 200 PORTLAND, OR 97223 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $556 | — | $556 | 0.13% |
| BYRON R CRUICKSHANK3 | 11740 SW 68TH PKWY STE 200 PORTLAND, OR 97223 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $416 | — | $416 | 0.10% |
| DALE ALLEN NICHOLS3 Filed as: DALE NICHOLS | 728 LEGENDS CREST DR FRANKLIN, TN 37069 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $64 | — | $64 | 0.01% |
| STEVEN RAY GRIFFIN3 Filed as: STEVEN RAY GRIFFEN | 2000 MORRIS AVE STE 1400 BIRMINGHAM, AL 35203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $42K | $5K | $47K | 10.97% |
| JOHN DAVIDSON3 | 7632 SW DURHAM RD STE 115 TIGARD, OR 97224 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $24K | — | $24K | 5.62% |
| GCG FINANCIAL LLC3 Filed as: DAVIDSON BENEFITS ALERA GROUP | 7632 SW DURHAM RD STE 115 TIGARD, OR 97224 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 1.23% |
| GCG FINANCIAL LLC3 Filed as: DAVIDSON BENEFITS ALERA GROUP | 7632 SW DURHAM RD STE 115 TIGARD, OR 97224 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 0.35% |
| GCG FINANCIAL LLC3 Filed as: DAVIDSON BENEFITS ALERA GROUP | 7632 SW DURHAM RD STE 115 TIGARD, OR 97224 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $49K | $2K | $51K | 15.75% |
| GCG FINANCIAL LLC3 Filed as: DAVIDSON BENEFITS ALERA GROUP | 7632 SW DURHAM RD STE 115 TIGARD, OR 97224 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | $2K | $17K | 5.75% |
| THE PARTNERS GROUP | 11740 SW 68TH PKWY STE 200 PORTLAND, OR 97223 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $122 | — | $122 | 1.41% |
| KATIE ELIZABETH PETERSON3 | 11740 SW 68TH PKWY STE 200 PORTLAND, OR 97223 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $39 | — | $39 | 0.45% |
| STEVEN RAY GRIFFIN3 Filed as: STEVEN RAY GRIFFEN | 2000 MORRIS AVE STE 1400 BIRMINGHAM, AL 35203 | FIRST UNUM LIFE INSURANCE COMPANY | $54 | — | $54 | 54.00% |
| GCG FINANCIAL LLC3 Filed as: DAVIDSON BENEFITS ALERA GROUP | 7632 SW DURHAM RD STE 115 TIGARD, OR 97224 | FIRST UNUM LIFE INSURANCE COMPANY | $36 | — | $36 | 36.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| REGENCE BLUECROSS BLUESHIELD OF OR EIN 93-0238155 CLAIMS PROCESSING | Float revenue; Claims processing; Direct payment from the plan Service code 12 | — | $1.7M |
| EXPRESS SCRIPTS EIN 43-1420563 CONTRACT ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $78K |
| DAVIDSON BENEFITS PLANNING LLC EIN 93-1263635 BROKER FEES | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $53K |
| NAVIA BENEFITS EIN 91-1467758 CONTRACT ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $13K |
| DISCOVERY BENEFITS EIN 90-0058554 CONTRACT ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $12K |
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 | 3,888 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 218 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,064 | $430K |
| Life insurance(4 contracts, 3 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 3,898 | $1.1M |
| Short-term disability(5 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 3,898 | $1.5M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,898 | $342K |
| Other(3 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 3,898 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,898 | — |
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.