| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC Filed as: MERCER HEALTH BENEFITS | 800 W. MAIN ST., STE. 1250 BOISE, ID 837025769 | UNITED HERITAGE LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC Filed as: MERCER HEALTH BENEFITS | 800 W. MAIN ST., STE. 1250 BOISE, ID 837025769 | UNITED HERITAGE LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC Filed as: MERCER HEALTH BENEFITS | 800 W. MAIN ST., STE. 1250 BOISE, ID 837025769 | UNITED HERITAGE LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC Filed as: MERCER HEALTH BENEFITS | 800 W. MAIN ST., STE. 1250 BOISE, ID 837025769 | UNITED HERITAGE LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AMERIBEN/IEC GROUP EIN 82-0497661 THIRD PARTY ADMINISTRATOR | Claims processing Service code 12 | 3449 E. COPPER POINT DR MERIDIAN, ID 83642 | $85K |
| MERCER (US) INC. EIN 13-2834414 INSURANCE BROKER | Insurance agents and brokers Service code 22 | 800 W MAIN ST, STE 1250 BOISE, ID 837025769 | $75K |
| AETNA SIGNATURE ADMINISTRATORS PPO EIN 06-6033492 PPO NETWORK | Claims processing Service code 12 | 4300 CENTREWAY PLACE ARLINGTON, TX 76018 | $54K |
| STRATOSE EIN 26-1790538 WRAP/SUPPLEMENTAL NETWORK | Claims processing Service code 12 | 2 CONCOURSE PKWY STE 300 ATLANTA, GA 30328 | $7K |
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 | 256 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 258 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMPANION LIFE INSURANCE COMPANY | 264 | $486K |
| Life insurance(2 contracts) | UNITED HERITAGE LIFE INSURANCE COMPANY | 283 | $103K |
| Long-term disability | UNITED HERITAGE LIFE INSURANCE COMPANY | 283 | $57K |
| Prescription drug | COMPANION LIFE INSURANCE COMPANY | 264 | $486K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 264 | $502K |
| Other | UNITED HERITAGE LIFE INSURANCE COMPANY | 33 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 283 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.