| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE PARTNERS GROUP3 | 11850 SW 67TH AVE STE 100 PORTLAND, OR 97223 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $23K | $2K | $25K | 22.16% |
| THE PARTNERS GROUP3 | 11850 SW 67TH AVE STE 100 PORTLAND, OR 97223 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $1K | $12K | 17.17% |
| THE PARTNERS GROUP3 | 11850 SW 67TH AVE STE 100 PORTLAND, OR 97223 | UNUM INSURANCE COMPANY | $10K | $1K | $11K | 22.17% |
| THE PARTNERS GROUP3 | 11850 SW 67TH AVENUE STE 100 PORTLAND, OR 97223 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | $178 | $16K | 33.34% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| REGENCE BLUECROSS BLUESHIELD OREGON EIN 93-0238155 CLAIMS PROCESSING | Non-monetary compensation; Float revenue; Direct payment from the plan; Contract Administrator; Other services; Claims processing; Insurance brokerage commissions and fees Service code 12 | — | $546K |
| ODS DBA DELTA DENTAL EIN 93-0438772 CONTRACT ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $60K |
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 | 901 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 917 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | COMMENCEMENT BAY RISK MANAGEMENT INSURANCE COMPANY | 1,446 | $896K |
| Vision | VISION SERVICE PLAN | 729 | $87K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 428 | $114K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 155 | $68K |
| Stop-loss / reinsurancereinsurance | COMMENCEMENT BAY RISK MANAGEMENT INSURANCE COMPANY | 1,446 | $845K |
| Other(3 contracts, 3 carriers) | UNUM INSURANCE COMPANY | 2,065 | $107K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,065 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.