| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE HECHT GROUP3 | 425 NE HANCOCK PORTLAND, OR 97212 | PROVIDENCE HEALTH PLAN | $33K | $0 | $33K | 2.80% |
| ALLIANT INSURANCE SERVICES, INC.3 | 425 NE HANCOCK PORTLAND, OR 97212 | PROVIDENCE HEALTH PLAN | $12K | $0 | $12K | 1.03% |
| THE HECHT GROUP3 | 425 NE HANCOCK STREET PORTLAND, OR 97212 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | $0 | $6K | 5.73% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 4.26% |
| THE HECHT GROUP3 | 425 NE HANCOCK STREET PORTLAND, OR 97212 | WILLAMETTE DENTAL INSURANCE INC. | $1K | $0 | $1K | 5.00% |
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 | 116 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PROVIDENCE HEALTH PLAN | 233 | $1.2M |
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 229 | $132K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 229 | $105K |
| Prescription drug | PROVIDENCE HEALTH PLAN | 233 | $1.2M |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 229 | $105K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 233 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.