| 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 | — | $100K | $100K | 4.25% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | DELTA DENTAL OF IDAHO | $9K | — | $9K | 5.01% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | SYMETRA LIFE INSURANCE COMPANY | $8K | $701 | $8K | 10.90% |
| MERCER HEALTH AND BENEFITS, LLC3 | PO BOX 310502 DES MOINES, IA 50331 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10K | — | $10K | 17.49% |
| SUSAN L MENSCHING3 | PO BOX 2466 COEUR D ALENA, ID 83815 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 6.35% |
| LISA M HALL3 | 2542 E SUNDOWN DR COEUR D ALENE, ID 83815 | CONTINENTAL AMERICAN INSURANCE COMPANY | $511 | — | $511 | 0.85% |
| KACI BISHOP3 | 1967 W TEA OLIVE LN COEUR D ALENE, IA 83815 | CONTINENTAL AMERICAN INSURANCE COMPANY | $267 | — | $267 | 0.45% |
| TERRY K ALLEN3 | PO BOX 13406 SPOKANE, WA 99213 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.01% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $523 | $4K | 17.23% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | — | $34 | $34 | 0.14% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3 | $3 | 0.01% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | MAGELLAN HEALTH SERVICES | $849 | — | $849 | 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 | 290 | 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) | 292 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 415 | $2.4M |
| Dental | DELTA DENTAL OF IDAHO | 378 | $171K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 351 | $24K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 294 | $76K |
| Prescription drug(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 415 | $2.4M |
| Other(3 contracts, 3 carriers) | SYMETRA LIFE INSURANCE COMPANY | 335 | $143K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 415 | — |
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.