| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HECHT & HECHT LIFE & HEALTH INS3 | 425 NE HANCOCK ST PORTLAND, OR 97212 | GROUP HEALTH COOPERATIVE | $16K | — | $16K | 3.32% |
| HECHT & HECHT LIFE & HEALTH INS3 | 425 NE HANCOCK ST PORTLAND, OR 97212 | GROUP HEALTH OPTIONS, INC. | $14K | — | $14K | 3.26% |
| HECHT & HECHT LIFE & HEALTH INS3 | 425 NE HANCOCK ST PORTLAND, OR 97212 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 4.00% |
| HECHT & HECHT LIFE & HEALTH INS3 | 425 NE HANCOCK ST. PORTLAND, OR 97212 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 20.00% |
| HECHT & HECHT LIFE & HEALTH INS3 | 425 NE HANCOCK ST. PORTLAND, OR 97212 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 20.00% |
| HECHT & HECHT LIFE & HEALTH INS3 | 425 NE HANCOCK ST PORTLAND, OR 97212 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $765 | — | $765 | 9.99% |
| HECHT & HECHT LIFE & HEALTH INS3 | 425 NE HANCOCK ST. PORTLAND, OR 97212 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 20.00% |
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 | 166 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 166 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | GROUP HEALTH COOPERATIVE | 128 | $928K |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 135 | $96K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 160 | $18K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 38 | $22K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 33 | $7K |
| Prescription drug(2 contracts, 2 carriers) | GROUP HEALTH COOPERATIVE | 128 | $928K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 160 | — |
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."
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.