| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | STANDARD INSURANCE COMPANY | $58K | — | $58K | 8.52% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 777 108TH AVENUE NE SUITE 200 BELLEVUE, WA 98004 | STANDARD INSURANCE COMPANY | $48K | — | $48K | 7.04% |
| RICHTER INTERNATIONAL CONSULTING3 Filed as: RICHTER INTL CONSULTING LLC | 317 NW GILMAN BLVD #11 ISSAQUAH, WA 98027 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $10K | — | $10K | 1.80% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | — | $5K | 0.91% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | STANDARD INSURANCE COMPANY | $43K | — | $43K | 8.53% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 777 108TH AVENUE NE SUITE 200 BELLEVUE, WA 98004 | STANDARD INSURANCE COMPANY | $37K | — | $37K | 7.22% |
| MERCER HEALTH AND BENEFITS, LLC3 | 1301 FIFTH AVENUE STE 1900 SEATTLE, WA 98101 | GROUP HEALTH OPTIONS, INC. | $5K | — | $5K | 1.06% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | STANDARD INSURANCE COMPANY | $31K | — | $31K | 8.51% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 777 108TH AVENUE NE SUITE 200 BELLEVUE, WA 98004 | STANDARD INSURANCE COMPANY | $26K | — | $26K | 7.25% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 777 108TH AVE NE SUITE 200 BELLEVUE, WA 98004 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $23K | — | $23K | 17.58% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2 PIERCE PLACE 14TH FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 1.10% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 777 108TH AVE NE SUITE 200 BELLEVUE, WA 98004 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 13.96% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $259 | $4K | 6.52% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2 PIERCE PLACE 14TH FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $589 | $589 | 0.87% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FIRST CHOICE | $8K | — | $8K | 18.38% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES, INC. | 777 108TH AVENUE NE SUITE 200 BELLEVUE, WA 98004 | HYATT LEGAL PLANS | $3K | $41 | $3K | 7.64% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HYATT LEGAL PLANS | $583 | $54 | $637 | 1.88% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER H AND B ADMIN, LLC | PO BOX 310502 DES MOINES, IA 50331 | HYATT LEGAL PLANS | $533 | — | $533 | 1.58% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES, INC. | 101 LARKSPUR LANDING CIRCLE STE 120 LARKSPUR, CA 94939 | HYATT LEGAL PLANS | — | $519 | $519 | 1.53% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 2 PIERCE PLACE 14TH FLOOR ITASCA, IL 60143 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $180 | $3K | 19.84% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 6.35% |
| RICHTER INTERNATIONAL CONSULTING3 Filed as: RICHTER INTL CONSULTING LLC | 317 NW GILMAN BLVD #11 ISSAQUAH, WA 98027 | FEDERAL INSURANCE COMPANY | $669 | — | $669 | 15.00% |
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 | 1,279 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 72 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,351 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 78 | $1.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 24 | $541K |
| Life insurance(3 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 1,285 | $865K |
| Short-term disability | STANDARD INSURANCE COMPANY | 1,255 | $361K |
| Long-term disability | STANDARD INSURANCE COMPANY | 1,272 | $509K |
| Prescription drug | GROUP HEALTH OPTIONS, INC. | 78 | $484K |
| Other(6 contracts, 6 carriers) | STANDARD INSURANCE COMPANY | 1,304 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,304 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.