| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HECHT & HECHT LIFE & HEALTH INS3 Filed as: HECHT & HECHT LIFE & HLTH INS | 425 NE HANCOCK ST PORTLAND, OR 97212 | HM LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 425 NE HANCOCK ST PORTLAND, OR 97212 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 1.24% |
| HECHT & HECHT LIFE & HEALTH INS3 Filed as: HECHT & HECHT LIFE & HLTH INS AGCY | 425 NE HANCOCK ST PORTLAND, OR 97212 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 1.12% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 701 B ST FL 6 SAN DIEGO, CA 92101 | VISION SERVICE PLAN | $894 | — | $894 | 2.24% |
| HECHT & HECHT LIFE & HEALTH INS3 Filed as: HECHT & HECHT LIFE & HEALTH | 425 NE HANCOCK ST PORTLAND, OR 97212 | VISION SERVICE PLAN | $739 | — | $739 | 1.85% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPLOYEE BENEFIT MGMT SERVICES INC EIN 81-0391256 TPA ADMIN | Other services; Contract Administrator Service code 13 | — | $189K |
| ALLIANT INSURANCE SERVICES EIN 20-2198349 BROKER | Insurance agents and brokers Service code 22 | — | $32K |
| HECHT AND HECHT LIFE AND HEALTH EIN 20-2198349 BROKER | Insurance agents and brokers Service code 22 | — | $31K |
| ENVISION RX EIN 05-0570786 RX ADMIN | Claims processing Service code 12 | — | $17K |
| FIRST CHOICE HEALTH NETWORK EIN 91-1272766 PPO | Other services Service code 49 | — | $15K |
| 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 | 336 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 338 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 0 | $218K |
| Vision | VISION SERVICE PLAN | 339 | $40K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 341 | $475K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 341 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.