| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | DELTA DENTAL OF WASHINGTON | $14K | $0 | $14K | 2.75% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | SUN LIFE ASSURANCE COMPANY OF CANADA | $20K | $0 | $20K | 4.85% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN, LLC | PO BOX 310502 DES MOINES, IA 50331 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 4.91% |
| SUSAN L MENSCHING3 | PO BOX 2466 COEUR D ALENE, ID 83816 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 2.41% |
| LISA M HALL3 | 2542 EAST SUNDOWN DRIVE COEUR D ALENE, ID 83815 | CONTINENTAL AMERICAN INSURANCE COMPANY | $87 | $0 | $87 | 0.16% |
| TERRY K ALLEN3 | PO BOX 13406 SPOKANE, WA 99213 | CONTINENTAL AMERICAN INSURANCE COMPANY | $86 | $0 | $86 | 0.16% |
| JORDAN D EMMANS3 | 438 WEST 26TH AVENUE SPOKANE, WA 99203 | CONTINENTAL AMERICAN INSURANCE COMPANY | $44 | $0 | $44 | 0.08% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | VISION SERVICE PLAN | $2K | $0 | $2K | 4.09% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 501 NORTH RIVERPOINT, SUITE 403 SPOKANE, WA 99202 | FEDERAL INSURANCE COMPANY | $2K | $251 | $2K | 17.30% |
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 | 432 | 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) | 436 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF WASHINGTON | 926 | $524K |
| Vision | VISION SERVICE PLAN | 428 | $40K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 457 | $403K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 457 | $403K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 457 | $403K |
| Other(4 contracts, 4 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 457 | $481K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 926 | — |
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.