| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | DELTA DENTAL INSURANCE COMPANY | $24K | — | $24K | 3.00% |
| THE PARTNERS GROUP3 | 11850 SW 67TH AVE, STE 100 PORTLAND, OR 97223 | DELTA DENTAL INSURANCE COMPANY | $18K | — | $18K | 2.18% |
| THE PARTNERS GROUP3 | 11850 SW 67TH AVE, STE 100 PORTLAND, OR 97223 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $19K | $19K | 4.41% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC - SLC | 15 W S TEMPLE STE 700 SALT LAKE CITY, UT 84101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $14K | $14K | 3.25% |
| THE PARTNERS GROUP3 | 11850 SW 67TH AVE, STE 100 PORTLAND, OR 97223 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $29K | $29K | 13.64% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC - SLC | 15 W S TEMPLE STE 700 SALT LAKE CITY, UT 84101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $16K | $16K | 7.61% |
| THE PARTNERS GROUP3 | 11850 SW 67TH AVE, STE 100 PORTLAND, OR 97223 | VISION SERVICE PLAN | $3K | — | $3K | 1.56% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | VISION SERVICE PLAN | $1K | — | $1K | 0.60% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE PARTNERS GROUP NONE | Consulting (general) Service code 16 | 11850 SW 67TH AVE, STE 100 PORTLAND, OR 97223 | $152K |
| MERCER HEALTH & BENEFITS NONE | Consulting (general) Service code 16 | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | $70K |
| EIDE BAILLY LLP EIN 45-0250958 NONE | Accounting (including auditing) Service code 10 | 401 NORTH 31ST STREET, SUITE 1120 BILLINGS, MT 59103 | $32K |
| EBENEFITS SOLUTIONS NONE | Consulting (general) Service code 16 | 600 GRANT ST 50TH FLOOR PITTSBURGH, PA 15219 | $9K |
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 | 1,581 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,588 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MONTANA | 3,349 | $22.2M |
| Dental | DELTA DENTAL INSURANCE COMPANY | 2,674 | $807K |
| Vision | VISION SERVICE PLAN | 1,158 | $187K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,902 | $655K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,902 | $442K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MONTANA | 3,349 | $22.2M |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF MONTANA | 3,349 | $22.2M |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,902 | $655K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,349 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.