| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BOB HART INSURANCE INC3 | PO BOX 1240 GRANTS PASS, OR 97528 | MODA HEALTH | $41K | — | $41K | 1.24% |
| BOB HART INSURANCE INC3 | PO BOX 1240 GRANTS PASS, OR 97528 | OREGON DENTAL SERVICE DBA DELTA DENTAL PLAN OF OREGON | $7K | — | $7K | 5.01% |
| JOHN E FRALICH3 | 321 SE I ST GRANTS PASS, OR 975263046 | UNITED HERITAGE LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| JOHN E FRALICH3 | 321 SE I ST GRANTS PASS, OR 975263046 | UNITED HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| ROSEMARY CRONIN3 Filed as: ROSEMARY CRONINI | PO BOX 1240 GRANTS PASS, OR 97528 | UNITED HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| JOHN E FRALICH3 | 321 SE I ST GRANTS PASS, OR 975263046 | UNITED HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 7.68% |
| JOHN E FRALICH3 | 321 SE I ST GRANTS PASS, OR 975263046 | UNITED HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| JOHN E FRALICH3 | 321 SE I ST GRANTS PASS, OR 975263046 | UNITED HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| JOHN E FRALICH3 | 321 SE I ST GRANTS PASS, OR 975263046 | UNITED HERITAGE LIFE INSURANCE COMPANY | $786 | — | $786 | 5.67% |
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 | 238 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 238 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MODA HEALTH | 360 | $3.3M |
| Dental | OREGON DENTAL SERVICE DBA DELTA DENTAL PLAN OF OREGON | 317 | $144K |
| Vision | UNITED HERITAGE LIFE INSURANCE COMPANY | 162 | $29K |
| Life insurance | UNITED HERITAGE LIFE INSURANCE COMPANY | 238 | $14K |
| Short-term disability | UNITED HERITAGE LIFE INSURANCE COMPANY | 238 | $28K |
| Long-term disability | UNITED HERITAGE LIFE INSURANCE COMPANY | 238 | $101K |
| Prescription drug | MODA HEALTH | 360 | $3.3M |
| Other(4 contracts) | UNITED HERITAGE LIFE INSURANCE COMPANY | 238 | $180K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 360 | — |
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.