| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 225 NORTH 9TH ST, STE 410 BOISE, ID 83702 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $245 | $2K | 7.50% |
| THE PARTNERS GROUP3 | 11850 SW 67TH AVE, STE 100 PORTLAND, OR 97223 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $837 | $0 | $837 | 3.54% |
| MERCER HEALTH AND BENEFITS, LLC3 | 225 NORTH 9TH ST, STE 410 BOISE, ID 83702 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $160 | $2K | 9.86% |
| THE PARTNERS GROUP3 | 11850 SW 67TH AVE, STE 100 PORTLAND, OR 97223 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 6.05% |
| MERCER HEALTH AND BENEFITS, LLC3 | 225 NORTH 9TH ST, STE 410 BOISE, ID 83702 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $774 | $97 | $871 | 7.79% |
| THE PARTNERS GROUP3 | 11850 SW 67TH AVE, STE 100 PORTLAND, OR 97223 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $568 | $0 | $568 | 5.08% |
| MERCER HEALTH AND BENEFITS, LLC3 | 225 NORTH 9TH ST, STE 410 BOISE, ID 83702 | VISION SERVICE PLAN | $543 | $0 | $543 | 5.69% |
| THE PARTNERS GROUP3 | 11850 SW 67TH AVE, STE 100 PORTLAND, OR 97223 | VISION SERVICE PLAN | $374 | $0 | $374 | 3.92% |
| MERCER HEALTH AND BENEFITS, LLC3 | 225 NORTH 9TH ST, STE 410 BOISE, ID 83702 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $138 | $14 | $152 | 9.51% |
| THE PARTNERS GROUP3 | 11850 SW 67TH AVE, STE 100 PORTLAND, OR 97223 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $101 | $0 | $101 | 6.32% |
| MERCER HEALTH AND BENEFITS, LLC3 | 225 NORTH 9TH ST, STE 410 BOISE, ID 83702 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $7 | $7 | 0.80% |
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 | 128 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 118 | $993K |
| Vision | VISION SERVICE PLAN | 78 | $10K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 126 | $11K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 126 | $24K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 126 | $18K |
| Other(3 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 126 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 126 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.