| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | DELTA DENTAL OF WASHINGTON | $13K | $0 | $13K | 2.50% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | SUN LIFE ASSURANCE COMPANY OF CANADA | $19K | $0 | $19K | 4.54% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | VISION SERVICE PLAN | $2K | $0 | $2K | 4.08% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADMIN | PO BOX 850502 MINNEAPOLIS, MN 55485 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 3.41% |
| SUSAN MENSCHING3 Filed as: SUSAN LEE MENSCHING | 3257 NORTH LADALIA DRIVE COEUR D ALENE, ID 83814 | CONTINENTAL AMERICAN INSURANCE COMPANY | $862 | $0 | $862 | 2.16% |
| LISA M HALL3 Filed as: LISA MICHELLE HALL | 2542 EAST SUNDOWN DRIVE COEUR D ALENE, ID 83815 | CONTINENTAL AMERICAN INSURANCE COMPANY | $75 | $0 | $75 | 0.19% |
| RODERICK ALLEN BAIR3 | 3437 WEST MANNING LOOP COEUR D ALENE, ID 83815 | CONTINENTAL AMERICAN INSURANCE COMPANY | $61 | $0 | $61 | 0.15% |
| TERRY K ALLEN3 Filed as: TERRY K. ALLEN | 20930 EAST HAPPY TRAILS LANE OTIS ORCHARDS, WA 99027 | CONTINENTAL AMERICAN INSURANCE COMPANY | $60 | $0 | $60 | 0.15% |
| JORDAN D EMMANS3 Filed as: JORDAN DOUGLAS EMMANS | 438 WEST 26TH AVENUE SPOKANE, WA 99203 | CONTINENTAL AMERICAN INSURANCE COMPANY | $39 | $0 | $39 | 0.10% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | 501 NORTH RIVERPOINT SUITE 403 SPOKANE, WA 99202 | FEDERAL INSURANCE COMPANY | $939 | $150 | $1K | 17.40% |
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 | 422 | 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) | 426 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF WASHINGTON | 843 | $508K |
| Vision | VISION SERVICE PLAN | 433 | $40K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 455 | $425K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 455 | $425K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 455 | $425K |
| Other(4 contracts, 4 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 480 | $484K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 843 | — |
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.