| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| H-C & ASSOCIATES3 Filed as: H-C & ASSOCIATES INC | 10000 SW WILSHIRE ST STE B PORTLAND, OR 97225 | UNITEDHEALTHCARE INSURANCE COMPANY | $58K | — | $58K | 2.73% |
| AON CONSULTING INC3 | 200 E RANDOLPH ST STE 900 CHICAGO, IL 60601 | UNITEDHEALTHCARE INSURANCE COMPANY | $22K | — | $22K | 1.03% |
| H-C & ASSOCIATES3 Filed as: H-C & ASSOCIATES INC | 10000 SW WILSHORE ST STE B PORTLAND, OR 97225 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 12.09% |
| ACRISURE LLC3 Filed as: ACRISURE TEXAS RISK ADVISORS & INS | 5057 KELLER SPRINGS RD STE 200 ADDISON, TX 75001 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 4.33% |
| H-C & ASSOCIATES3 Filed as: H-C & ASSOCIATES INC | 10000 SW WILSHORE STE B PORTLAND, OR 97225 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 11.90% |
| ACRISURE LLC3 Filed as: ACRISURE TEXAS RISK ADVISORS & INS | 5057 KELLER SPRINGS RD STE 200 ADDISON, TX 75001 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 4.49% |
| AON CONSULTING INC3 | 200 E RANDOLPH ST STE 500 CHICAGO, IL 60601 | PRINCIPAL LIFE INSURANCE COMPANY | $722 | — | $722 | 4.33% |
| H-C & ASSOCIATES3 Filed as: H-C & ASSOCIATES INC | 10000 SW WILSHIRE ST STE B PORTLAND, OR 97225 | PRINCIPAL LIFE INSURANCE COMPANY | $697 | — | $697 | 4.18% |
| ACRISURE LLC3 Filed as: ACRISURE TEXAS RISK ADVISORS & | INSURANCE SERVICES LLC 5057 KELLER SPRINGS RD STE 200 ADDISON, TX 75001 | PRINCIPAL LIFE INSURANCE COMPANY | $305 | — | $305 | 1.83% |
| H-C & ASSOCIATES3 Filed as: H-C ASSOCIATES | 10000 SOUTHWEST WILSHIRE STREET SUITE B PORTLAND, OR 97225 | WILLAMETTE DENTAL INSURANCE INC | $887 | — | $887 | 10.00% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 29840 NETWORK PLACE CHICAGO, IL 60673 | GUARDIAN LIFE INSURANCE COMPANY | $381 | — | $381 | 8.14% |
| H-C & ASSOCIATES3 | 10000 SW WILSHIRE ST STE B PORTLAND, OR 97225 | GUARDIAN LIFE INSURANCE COMPANY | $258 | — | $258 | 5.51% |
| ACRISURE LLC3 Filed as: ACRISURE TEXAS RISK ADVISORS | 5057 KELLAR SPRINGS RD STE 200 ADDISON, TX 75001 | GUARDIAN LIFE INSURANCE COMPANY | $63 | — | $63 | 1.35% |
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 | 171 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 174 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 317 | $2.1M |
| Dental(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 317 | $2.1M |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 292 | $17K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 215 | $32K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 215 | $53K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 215 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 317 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.