| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SCOTT MILLER3 | 1031 W CENTER ST STE 302 OREM, UT 84057 | REGENCE BLUECROSS BLUESHIELD OF UTAH | — | $5K | $5K | 0.06% |
| JEFFREY W PIERCE3 | 1031 W CENTER ST, STE 302 OREM, UT 84057 | REGENCE BLUECROSS BLUESHIELD OF UTAH | — | $2K | $2K | 0.03% |
| MILLER & WADE INSURANCE AGENCY | 1031 W CENTER STREET STE 302 OREM, UT 84057 | LIFEMAP ASSURANCE COMPANY | $52K | $0 | $52K | 5.48% |
| MERCER HEALTH AND BENEFITS, LLC Filed as: MERCER HEALTH & BENEFITS | 15 W SOUTH TEMPLE, STE 700 SALT LAKE CITY, UT 84101 | LIFEMAP ASSURANCE COMPANY | $29K | $0 | $29K | 3.13% |
| DARBY IKE HEIDEMANN3 | STE 540 1111 W JEFFERSON ST BOISE, ID 83702 | NORTHWESTERN MUTUAL | $3K | $687 | $3K | 7.08% |
| JASON GARTH WILDE3 | STE 540 1111 W JEFFERSON ST BOISE, ID 83702 | NORTHWESTERN MUTUAL | $3K | $634 | $3K | 6.55% |
| BAILEY INSURANCE GROUP3 | STE 540 1111 W JEFFERSON ST BOISE, ID 83702 | NORTHWESTERN MUTUAL | $1K | $125 | $1K | 2.44% |
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 | 443 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 443 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | REGENCE BLUECROSS BLUESHIELD OF UTAH | 1,302 | $8.6M |
| Dental | LIFEMAP ASSURANCE COMPANY | 574 | $942K |
| Vision | LIFEMAP ASSURANCE COMPANY | 574 | $942K |
| Life insurance | LIFEMAP ASSURANCE COMPANY | 574 | $942K |
| Long-term disability | NORTHWESTERN MUTUAL | 113 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,302 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.