| 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 | $16K | $2K | $17K | 22.00% |
| THE PARTNERS GROUP3 | 11850 SW 67TH AVE STE 100 PORTLAND, OR 97223 | UNUM INSURANCE COMPANY | $9K | $925 | $10K | 22.00% |
| THE PARTNERS GROUP3 | 11850 SW 67TH AVE STE 100 PORTLAND, OR 97223 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $807 | $7K | 17.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| REGENCE BLUECROSS BLUESHIELD OREGON EIN 93-0238155 CLAIMS PROCESSING | Non-monetary compensation; Float revenue; Claims processing; Insurance brokerage commissions and fees; Other services; Contract Administrator; Direct payment from the plan Service code 12 | — | $532K |
| ODS DBA DELTA DENTAL EIN 93-0438772 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $74K |
| DAVIDSON BENEFITS AN ALERA AGENCY EIN 93-1263635 BROKER | Insurance agents and brokers Service code 22 | — | $49K |
| PACIFICSOURCE ADMINISTRATORS INC EIN 30-0140934 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $6K |
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 | 801 | 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) | 801 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNUM INSURANCE COMPANY | 230 | $46K |
| Vision | VISION SERVICE PLAN | 665 | $86K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 389 | $78K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 151 | $40K |
| Other(2 contracts, 2 carriers) | UNUM INSURANCE COMPANY | 2,065 | $65K |
| 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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.