| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 1301 5TH AVENUE SUITE 1900 SEATTLE, WA 98101 | LIFEWISE ASSURANCE COMPANY | $75K | — | $75K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PREMERA BLUE CROSS EIN 91-0499247 CONTRACT ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $836K |
| DELTA DENTAL EIN 91-0621480 DENTAL CONTRACT ADMIN. | Claims processing; Contract Administrator Service code 12 | — | $121K |
| MERCER HEALTH & BENEFITS EIN 34-2015463 PLAN CONSULTANT | Insurance services; Insurance agents and brokers; Consulting fees; Consulting (general) Service code 16 | — | $113K |
| EMPATHIA EIN 39-1567366 NONE | Contract Administrator; Claims processing Service code 12 | — | $31K |
| VWC, P.S. EIN 91-1007261 AUDITOR | Accounting (including auditing) Service code 10 | — | $20K |
| MEDCO EIN 22-3461740 RX CLAIMS PROCESSOR | Claims processing Service code 12 | — | $0 |
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 | 1,382 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,382 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | LIFEWISE ASSURANCE COMPANY | 1,382 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,382 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.