| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 601 W MAIN AVE STE 1300 SPOKANE, WA 99201 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $90K | $90K | 4.25% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | DELTA DENTAL OF IDAHO | $16K | — | $16K | 5.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | SYMETRA LIFE INSURANCE COMPANY | $7K | $948 | $8K | 11.40% |
| MERCER HEALTH AND BENEFITS, LLC3 | PO BOX 310502 DES MOINES, IA 50331 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8K | — | $8K | 15.79% |
| SUSAN L MENSCHING3 | PO BOX 2466 COEUR D ALENE, ID 83816 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 5.43% |
| LISA M HALL3 | 2542 E SUNDOWN DR COEUR D ALENE, ID 83815 | CONTINENTAL AMERICAN INSURANCE COMPANY | $266 | — | $266 | 0.55% |
| KACI BISHOP3 | 521 WEST 41ST AVE SUITE 101 ANCHORAGE, AK 99503 | CONTINENTAL AMERICAN INSURANCE COMPANY | $234 | — | $234 | 0.49% |
| TERRY K ALLEN3 | PO BOX 13406 SPOKANE, WA 99213 | CONTINENTAL AMERICAN INSURANCE COMPANY | $192 | — | $192 | 0.40% |
| JORDAN D EMMANS3 | 438 W 26TH AVE SPOKANE, WA 99203 | CONTINENTAL AMERICAN INSURANCE COMPANY | $83 | — | $83 | 0.17% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $390 | $4K | 16.78% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | — | $38 | $38 | 0.17% |
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 | 237 | 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) | 237 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 379 | $2.1M |
| Dental | DELTA DENTAL OF IDAHO | 177 | $319K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 329 | $23K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 250 | $67K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 379 | $2.1M |
| Other(3 contracts, 3 carriers) | SYMETRA LIFE INSURANCE COMPANY | 259 | $119K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 379 | — |
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."
No prospect flags tripped on this filing.