| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | $10 | $18K | 4.01% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY | — | $8K | $8K | 1.79% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 601 W MAIN AVENUE SUITE 810 SPOKANE, WA 99201 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $744 | — | $744 | 1.40% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PREMERA BLUE CROSS EIN 91-0316310 NONE | Claims processing Service code 12 | — | $268K |
| TOWERS WATSON EIN 53-0181291 NONE | Actuarial Service code 11 | — | $71K |
| CLIFTONLARSONALLEN LLP EIN 41-0746749 NONE | Accounting (including auditing) Service code 10 | — | $31K |
| MERCER EIN 13-3109248 NONE | Insurance agents and brokers; Consulting (general) Service code 16 | — | $23K |
| ARNERICH MASSENA & ASSOC EIN 93-1119724 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $23K |
| WASHINGTON DENTAL SERVICE EIN 91-0621480 NONE | Claims processing Service code 12 | — | $21K |
| US BANK EIN 31-0841368 NONE | Trustee (bank, trust company, or similar financial institution); Direct payment from the plan Service code 21 | — | $10K |
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 | 1,417 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 987 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,404 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | 13 | $53K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 789 | $458K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 789 | $458K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 789 | $458K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 789 | — |
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.