| 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 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $68K | $39K | $106K | 4.51% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PREMERA BLUE CROSS EIN 91-0316310 N/A | Direct payment from the plan; Claims processing Service code 12 | — | $212K |
| TOWERS WATSON EIN 53-0181291 N/A | Actuarial; Direct payment from the plan Service code 11 | — | $104K |
| CLIFTONLARSONALLEN LLP EIN 41-0746749 N/A | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $33K |
| MERCER EIN 13-3109248 N/A | Direct payment from the plan; Consulting (general); Insurance agents and brokers Service code 16 | — | $21K |
| WASHINGTON DENTAL SERVICE EIN 91-0621480 N/A | Claims processing; Direct payment from the plan Service code 12 | — | $21K |
| US BANK EIN 31-0841368 N/A | Direct payment from the plan; Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $16K |
| SAGEVIEW ADVISORY GROUP EIN 93-1119724 N/A | Investment management; Investment management fees paid directly by plan; Direct payment from the plan Service code 28 | — | $15K |
| PERKINS COIE N/A | Legal; Direct payment from the plan Service code 29 | 1201 THIRD AVENUE, SUITE 4900 SEATTLE, WA 98101 | $11K |
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 | 1,157 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,120 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,277 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 3,981 | $2.4M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 3,981 | $2.4M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 3,981 | $2.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,981 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.