| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE PARTNERS GROUP3 | 11850 SW 67TH AVENUE PORTLAND, OR 97223 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $66K | $66K | 2.00% |
| THE PARTNERS GROUP3 | 11850 SW 67TH AVENUE PORTLAND, OH 97223 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $144K | $16K | $160K | 20.00% |
| THE PARTNERS GROUP3 | 11850 SW 67TH AVENUE PORTLAND, OR 97223 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $105K | $7K | $112K | 21.18% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS | 897 12TH STREET HAMMONTON, NJ 08037 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $358 | — | $358 | 0.07% |
| STEVEN RAY GRIFFIN3 Filed as: STEVEN GRIFFIN | 2000 MORRIS AVENUE BIRMINGHAM, AL 35203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $272 | — | $272 | 0.05% |
| THE PARTNERS GROUP3 | 11850 SW 67TH AVENUE PORTLAND, OR 97223 | UNUM INSURANCE COMPANY | $38K | $5K | $43K | 20.22% |
| THE PARTNERS GROUP3 | 11850 SW 67TH AVENUE PORTLAND, OH 97223 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $102 | $6K | 3.20% |
| STEVEN RAY GRIFFIN3 Filed as: STEVEN GRIFFIN | 2000 MORRIS AVE., SUITE 1400 BIRMINGHAM, AL 35203 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 1.44% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS | 897 12TH STREET HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 1.28% |
| THE PARTNERS GROUP3 | 11850 SW 67TH AVENUE PORTLAND, OR 97223 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.79% |
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 | 3,663 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 67 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,730 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,663 | $4.3M |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 1 | $382 |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,663 | $3.3M |
| Other(6 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,663 | $5.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,663 | — |
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.