| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HECHT & HECHT LIFE & HEALTH INS3 | 425 NE HANCOCK PORTLAND, OR 97212 | OREGON'S HEALTH COOP | $16K | — | $16K | 2.97% |
| HECHT & HECHT LIFE & HEALTH INS3 | 425 NE HANCOCK PORTLAND, OR 97212 | PROVIDENCE HEALTH PLAN | $10K | — | $10K | 5.29% |
| HECHT & HECHT LIFE & HEALTH INS3 | 425 NE HANCOCK PORTLAND, OR 97212 | WILLAMETTE DENTAL INSURANCE, INC. | $3K | — | $3K | 5.00% |
| HECHT & HECHT LIFE & HEALTH INS3 | 425 NE HANCOCK PORTLAND, OR 97212 | DELTA DENTAL OF OREGON | $2K | — | $2K | 3.90% |
| HECHT & HECHT LIFE & HEALTH INS3 | 425 NE HANCOCK ST PORTLAND, OR 97212 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $123 | $6K | 14.63% |
| HECHT & HECHT LIFE & HEALTH INS3 | 425 NE HANCOCK PORTLAND, OR 97212 | MEDICAL EYE SERVICES OF OREGON, INC. | — | — | $0 | 0.00% |
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 | 214 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 214 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | OREGON'S HEALTH COOP | 189 | $714K |
| Dental(2 contracts, 2 carriers) | WILLAMETTE DENTAL INSURANCE, INC. | 123 | $104K |
| Vision | MEDICAL EYE SERVICES OF OREGON, INC. | 76 | $12K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 214 | $41K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 214 | $41K |
| Prescription drug | OREGON'S HEALTH COOP | 189 | $530K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 214 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 214 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.