| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 601 W MAIN AVE STE 1300 SPOKANE, WA 99201 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $80K | $80K | 4.58% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4 EMBARCADERO CTR STE 40 SAN FRANCISCO, CA 94111 | TRANSAMERICA LIFE INSURANCE COMPANY | $11K | — | $11K | 36.63% |
| MERCER HEALTH AND BENEFITS, LLC3 | 1301 FIFTH AVENUE STE 1900 SEATTLE, WA 98101 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $3K | — | $3K | 12.56% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $49 | $8K | 44.40% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | — | $553 | $553 | 2.92% |
| MERCER HEALTH AND BENEFITS, LLC3 | 601 W MAIN AVE STE 810 SPOKANE, WA 99201 | SYMETRA LIFE INSURANCE COMPANY | $2K | — | $2K | 9.69% |
| MERCER HEALTH AND BENEFITS, LLC3 | 1301 FIFTH AVENUE STE 1900 SEATTLE, WA 98101 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $2K | — | $2K | 18.27% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | MAGELLAN HEALTH SERVICES | $778 | — | $778 | 12.00% |
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 | 330 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 334 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 360 | $2.0M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 328 | $19K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 328 | $19K |
| Life insurance(4 contracts, 3 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 625 | $81K |
| Other(4 contracts, 3 carriers) | AMERICAN GENERAL LIFE INSURANCE COMPANY | 625 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 625 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.