| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES SOUTHWEST | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | REGENCE BLUECROSS BLUESHIELD OF OREGON | $85K | $537 | $86K | 1.16% |
| MERCER HEALTH AND BENEFITS, LLC3 | FOUR EMBARCADERO CENTER, SUITE 400 SAN FRANCISCO, CA 94111 | REGENCE BLUECROSS BLUESHIELD OF OREGON | $0 | $5K | $5K | 0.06% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | STANDARD INSURANCE COMPANY | $23K | $0 | $23K | 8.04% |
| MERCER HEALTH AND BENEFITS, LLC3 | 1166 AVENUE OF AMERICAS, 22ND FLOOR NEW YORK, NY 10036 | STANDARD INSURANCE COMPANY | $18K | $0 | $18K | 6.28% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | STANDARD INSURANCE COMPANY | $1K | $0 | $1K | 0.51% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.46% |
| LONG TERM CARE SOLUTIONS, INC.3 | 14715 NE 95TH STREET, SUITE 200 REDMOND, WA 98052 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 17.90% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $277 | $0 | $277 | 2.10% |
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 | 404 | 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) | 404 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | REGENCE BLUECROSS BLUESHIELD OF OREGON | 768 | $7.4M |
| Vision | VISION SERVICE PLAN | 298 | $54K |
| Life insurance | STANDARD INSURANCE COMPANY | 334 | $287K |
| Long-term disability | STANDARD INSURANCE COMPANY | 334 | $287K |
| Prescription drug | REGENCE BLUECROSS BLUESHIELD OF OREGON | 768 | $7.4M |
| Other(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 404 | $311K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 768 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.