| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 601 WEST MAIN AVENUE SPOKANE, WA 99201 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $104K | $104K | 4.25% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | DELTA DENTAL OF IDAHO | $11K | $0 | $11K | 5.40% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | SYMETRA LIFE INSURANCE COMPANY | $9K | $798 | $10K | 10.91% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADMIN | PO BOX 850502 MINNEAPOLIS, MN 55485 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 10.41% |
| SUSAN MENSCHING3 Filed as: SUSAN LEE MENSCHING | 3257 NORTH LADALIA DRIVE COEUR D ALENE, ID 83814 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 3.49% |
| TERRY K ALLEN3 | 20930 EAST HAPPY TRAILS LANE OTIS ORCHARDS, WA 99027 | CONTINENTAL AMERICAN INSURANCE COMPANY | $316 | $0 | $316 | 0.61% |
| LISA M HALL3 Filed as: LISA MICHELLE HALL | 2542 EAST SUNDOWN DRIVE COEUR D ALENE, ID 83815 | CONTINENTAL AMERICAN INSURANCE COMPANY | $114 | $0 | $114 | 0.22% |
| KACI LEE BISHOP3 Filed as: KACI L BISHOP | 16511 EAST SPRAGUE AVENUE APARTMENT F-05 SPOKANE VALLEY, WA 99037 | CONTINENTAL AMERICAN INSURANCE COMPANY | $114 | $0 | $114 | 0.22% |
| JORDAN D EMMANS3 Filed as: JORDAN DOUGLAS EMMANS | 4327 LAKE WASHINGTON BOULEVARD NE APARTMENT 62 KIRKLAND, WA 98033 | CONTINENTAL AMERICAN INSURANCE COMPANY | $23 | $0 | $23 | 0.04% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $430 | $4K | 16.68% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1 | $1 | 0.00% |
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 | 273 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 273 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 227 | $2.4M |
| Dental | DELTA DENTAL OF IDAHO | 203 | $197K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 356 | $25K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 276 | $87K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 227 | $2.4M |
| Other(3 contracts, 3 carriers) | SYMETRA LIFE INSURANCE COMPANY | 287 | $142K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 356 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.