| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| H-C & ASSOCIATES3 | 10000 SW WILSHIRE ST SUITE B PORTLAND, OR 97225 | GUARDIAN LIFE INSURANCE CO. OF AMERICA | $7K | — | $7K | 9.00% |
| PACIFIC ADVISORS OF OREGON LLC3 | 200 SW MARKET ST #1850 PORTLAND, OR 97201 | GUARDIAN LIFE INSURANCE CO. OF AMERICA | $34 | — | $34 | 0.05% |
| H-C & ASSOCIATES3 Filed as: H-C ASSOCIATES HOLDINGS, INC | 10000 SW WILSHIRE ST SUITE B PORTLAND, OR 972255057 | VISION SERVICE PLAN | $4K | — | $4K | 7.00% |
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 | 573 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 586 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH NET | 462 | $1.2M |
| Dental | GUARDIAN LIFE INSURANCE CO. OF AMERICA | 70 | $75K |
| Vision | VISION SERVICE PLAN | 462 | $63K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 462 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.