| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HEALTH NET | $53K | — | $53K | 1.66% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF OREGON, LLC | P.O. BOX 29018 PORTLAND, OR 97296 | HEALTH NET | $11K | — | $11K | 0.33% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF FLORIDA INC. | 3520 THOMASVILLE ROAD SUITE 500 TALLAHASSEE, FL 32309 | AMERITAS LIFE INSURANCE CORP. | — | $5K | $5K | 3.87% |
| MERCER HEALTH AND BENEFITS, LLC3 | 111 SW COLUMBIA ST, SUITE 500 PORTLAND, OR 97201 | AMERITAS LIFE INSURANCE CORP. | $3K | — | $3K | 2.50% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF OREGON LLC | PO BOX 29018 PORTLAND, OR 97296 | AMERITAS LIFE INSURANCE CORP. | $655 | — | $655 | 0.50% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | WILLAMETTE DENTAL INSURANCE, INC. | $3K | — | $3K | 4.17% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN NORTHWEST | 2701 NW VAUGHN ST. PORTLAND, OR 97210 | WILLAMETTE DENTAL INSURANCE, INC. | $678 | — | $678 | 0.83% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 8.05% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF OREGON, LLC | P.O. BOX 29018 PORTLAND, OR 97296 | SUN LIFE ASSURANCE COMPANY OF CANADA | $394 | — | $394 | 1.60% |
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 | 204 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 205 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH NET | 206 | $3.2M |
| Dental(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORP. | 281 | $212K |
| Vision | HEALTH NET | 206 | $3.2M |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 208 | $25K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 208 | $25K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 208 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 281 | — |
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.