| 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 60674 | BLUE CROSS BLUE SHIELD OF MONTANA | — | $56K | $56K | 0.23% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | DELTA DENTAL INSURANCE COMPANY | $45K | — | $45K | 5.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC - SLC | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $46K | $46K | 7.38% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC - SLC | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $62K | $62K | 21.25% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | VISION SERVICE PLAN | $4K | — | $4K | 2.14% |
| THE PARTNERS GROUP3 | 11850 SW 67TH AVE, STE 100 PORTLAND, OR 97223 | VISION SERVICE PLAN | -$1 | — | -$1 | -0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERCER HEALTH & BENEFITS NONE | Consulting (general) Service code 16 | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | $88K |
| THE PARTNERS GROUP NONE | Consulting (general) Service code 16 | 11850 SW 67TH AVE, STE 100 PORTLAND, OR 97223 | $79K |
| EIDE BAILLY LLP EIN 45-0250958 NONE | Accounting (including auditing) Service code 10 | 401 NORTH 31ST STREET, SUITE 1120 BILLINGS, MT 59103 | $17K |
| NIXON PEABODY LLP NONE | Legal Service code 29 | 53 STATE STREET BOSTON, MA 021092835 | $8K |
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 | 1,575 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,586 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MONTANA | 3,189 | $24.9M |
| Dental | DELTA DENTAL INSURANCE COMPANY | 2,701 | $892K |
| Vision | VISION SERVICE PLAN | 1,170 | $197K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,868 | $907K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,868 | $617K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MONTANA | 3,189 | $24.9M |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF MONTANA | 3,189 | $24.9M |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,868 | $907K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,189 | — |
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.
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.