| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BOB HART INSURANCE INC3 | PO BOX 2140 GRANTS PASS, OR 97528 | MODA HEALTH | $34K | — | $34K | 3.29% |
| BOB HART INSURANCE INC3 | PO BOX 1240 GRANTS PASS, OR 97528 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $20K | $10K | $30K | 12.64% |
| BOB HART INSURANCE INC3 | PO BOX 2140 GRANTS PASS, OR 97528 | OREGON DENTAL SERVICE DBA DELTA DENTAL PLAN OF OREGON | $2K | — | $2K | 4.22% |
| JOHN E FRALICH3 | 321 SE I STREET GRANTS PASS, OR 97526 | UNITED HERITAGE LIFE INSURANCE COMPANY | $365 | — | $365 | 1.11% |
| ROSEMARY CRONIN3 | PO BOX 1240 GRANTS PASS, OR 97528 | UNITED HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| JOHN E FRALICH3 | 321 SE I STREET GRANTS PASS, OR 97526 | UNITED HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 9.40% |
| JOHN E FRALICH3 | 321 SE I STREET GRANTS PASS, OR 97526 | UNITED HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| JOHN E FRALICH3 | 321 SE I STREET GRANTS PASS, OR 97526 | UNITED HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 14.99% |
| JOHN E FRALICH | 321 SE I STREET GRANTS PASS, OR 97526 | UNITED HERITAGE LIFE INSURANCE COMPANY | $836 | — | $836 | 14.99% |
| JOHN E FRALICH3 | 321 SE I STREET GRANTS PASS, OR 97526 | UNITED HERITAGE LIFE INSURANCE COMPANY | $404 | — | $404 | 8.54% |
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 | 193 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 193 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MODA HEALTH | 258 | $1.0M |
| Dental(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 241 | $284K |
| Vision | UNITED HERITAGE LIFE INSURANCE COMPANY | 139 | $24K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 196 | $242K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 196 | $254K |
| Long-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 196 | $270K |
| Prescription drug | MODA HEALTH | 258 | $1.0M |
| Other(4 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 196 | $263K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 258 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.