| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 601 W MAIN STE 810 SPOKANE, WA 99201 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $53K | $24K | $77K | 4.01% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 601 W MAIN STE 810 SPOKANE, WA 99201 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $21K | $10K | $30K | 4.11% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PREMERA BLUE CROSS EIN 91-0316310 N/A | Direct payment from the plan; Claims processing Service code 12 | — | $219K |
| TOWERS WATSON EIN 53-0181291 N/A | Direct payment from the plan; Actuarial Service code 11 | — | $112K |
| MOSS ADAMS LLP EIN 91-0189318 N/A | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $50K |
| SEYFARTH SHAW EIN 36-2152202 N/A | Legal; Direct payment from the plan Service code 29 | — | $33K |
| WASHINGTON DENTAL SERVICE EIN 91-0621480 N/A | Direct payment from the plan; Claims processing Service code 12 | — | $21K |
| SAGEVIEW ADVISORY GROUP EIN 93-1119724 N/A | Direct payment from the plan; Investment management; Investment management fees paid directly by plan Service code 28 | — | $21K |
| MERCER EIN 13-3109248 N/A | Direct payment from the plan; Consulting (general); Insurance agents and brokers Service code 16 | — | $21K |
| US BANK EIN 31-0841368 N/A | Direct payment from the plan; Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $19K |
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 | 1,169 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,087 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,256 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,838 | $1.9M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,748 | $741K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,838 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,838 | — |
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.