| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HECHT & HECHT LIFE & HEALTH INS3 Filed as: HECHT AND HECHT LIFE AND HEALTH INS | 425 NE HANCOCK PORTLAND, OR 972123913 | PREMERA BLUE CROSS | $40K | $2K | $42K | 2.62% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF OREGON LLC | — | PREMERA BLUE CROSS | $24K | — | $24K | 1.50% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN NORTHWEST | 2701 NW VAUGHN, SUITE 320 PORTLAND, OR 97210 | WILLAMETTE DENTAL GROUP | $1K | — | $1K | 2.17% |
| THE HECHT GROUP3 | 425 NE HANCOCK PORTLAND, OR 97212 | WILLAMETTE DENTAL GROUP | $1K | — | $1K | 1.83% |
| CAMPBELL GALT AND NEWLANDS, INC.3 Filed as: CAMPBELL GALT & NEWLANDS | PO BOX 62949 VIRGINIA BEACH, VA 23466 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 4.90% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SERVICES USA INC | PO BOX 203026 DALLAS, TX 75320 | PRINCIPAL LIFE INSURANCE COMPANY | $876 | — | $876 | 1.43% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF OREGON LLC | PO BOX 29018 PORTLAND, OR 97296 | PRINCIPAL LIFE INSURANCE COMPANY | $655 | — | $655 | 1.07% |
| HECHT & HECHT LIFE & HEALTH INS3 Filed as: HECHT & HECHT LIFE HEALTH INS. | 425 NE HANCOCK PORTLAND, OR 97212 | THE STANDARD INSURANCE COMPANY | $743 | — | $743 | 2.22% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF OREGON | PO BOX 29018 PORTLAND, OR 97296 | THE STANDARD INSURANCE COMPANY | $117 | — | $117 | 0.35% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF OREGON, LLC | PO BOX 29018 PORTLAND, OR 97296 | VISION SERVICE PLAN | $281 | — | $281 | 1.46% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF OREGON, LLC | 2701 NW VAUGHN ST., #240 PORTLAND, OR 97210 | ATLANTIC SPECIALTY INSURANCE COMPANY | $114 | — | $114 | 6.90% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | 975 OAK STREET EUGENE, OR 97440 | ATLANTIC SPECIALTY INSURANCE COMPANY | $52 | — | $52 | 3.15% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF OREGON, LLC | 2701 NW VAUGHN STREET, #340 PORTLAND, OR 97210 | ATLANTIC SPECIALTY INSURANCE COMPANY | $47 | — | $47 | 6.37% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | 975 OAK STREET EUGENE, OR 97440 | ATLANTIC SPECIALTY INSURANCE COMPANY | $27 | — | $27 | 3.66% |
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 | 645 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 645 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PREMERA BLUE CROSS | 229 | $1.6M |
| Dental(2 contracts, 2 carriers) | WILLAMETTE DENTAL GROUP | 117 | $100K |
| Vision | VISION SERVICE PLAN | 193 | $19K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 645 | $61K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 645 | $61K |
| Prescription drug | PREMERA BLUE CROSS | 229 | $1.6M |
| Other(2 contracts) | ATLANTIC SPECIALTY INSURANCE COMPANY | 645 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 645 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.