| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HECHT & HECHT LIFE & HEALTH INS3 Filed as: HECHT & HECHT LIFE & HEALTH INSURAN | 425 NE HANCOCK ST. PORTLAND, OR 97212 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | — | $5K | 2.45% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPLOYEE BENEFIT MGMT SERVICES INC EIN 81-0391256 TPA ADMIN | Contract Administrator; Other services Service code 13 | — | $163K |
| HECHT AND HECHT LIFE AND HEALTH EIN 20-2198349 BROKER | Insurance agents and brokers Service code 22 | — | $56K |
| FIRST CHOICE HEALTH NETWORK EIN 91-1272766 PPO | Other services Service code 49 | — | $13K |
| INNOVATIVE CARE MANAGEMENT EIN 93-1087669 CASE MANAGEMENT | Other fees Service code 99 | — | $12K |
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 | 309 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 310 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 308 | $193K |
| Vision | VISION SERVICE PLAN | 310 | $36K |
| Prescription drug | SUN LIFE ASSURANCE COMPANY OF CANADA | 311 | $439K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 311 | $439K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 308 | $193K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 311 | — |
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.