| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | PAYSPHERE CIRCLE CHICAGO, IL 60674 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $461 | $461 | 1.67% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA NONE | Claims processing; Direct payment from the plan Service code 12 | 151 FARMINGTON AVENUE HARTFORD, CT 06156 | $476K |
| A. W. REHN & ASSOCIATES EIN 91-1008626 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $318K |
| DELTA DENTAL NONE | Direct payment from the plan; Claims processing Service code 12 | PO BOX 75983 SEATTLE, WA 98175 | $101K |
| CLIFTONLARSONALLEN LLP EIN 41-0746749 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $58K |
| TELEDOC HEALTH, INC EIN 04-3705970 NONE | Direct payment from the plan; Consulting (general) Service code 16 | 2 MANHATTANVILLE RD. PURCHASE, NY 10577 | $55K |
| UNITED CLAIMS SOLUTIONS EIN 81-5149270 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $49K |
| RAEL & LETSON NONE | Consulting (pension); Direct payment from the plan Service code 17 | 419 OCCIDENTAL AVE S SEATTLE, WA 98104 | $48K |
| HEALTHCARE BLUEBOOK EIN 46-4399706 NONE | Direct payment from the plan; Other services Service code 49 | — | $41K |
| WASHINGTON TRUST BANK NONE | Direct payment from the plan; Custodial (securities) Service code 19 | 7815 N DIVISION ST SPOKANE, WA 99208 | $40K |
| TURNER, STOEVE & GAGLIARDI, PS EIN 91-1282506 NONE | Legal; Direct payment from the plan Service code 29 | — | $32K |
| CORELLIAN SOFTWARE, INC EIN 47-1372895 NONE | Consulting (pension); Direct payment from the plan Service code 17 | — | $31K |
| HCCMA EIN 23-7089668 NONE | Direct payment from the plan; Other services Service code 49 | 1469 HOLY CROSS DRIVE FAIRBANKS, AK 99709 | $24K |
| VISION SERVICE PLAN EIN 23-7089668 NONE | Direct payment from the plan; Claims processing Service code 12 | 1469 HOLY CROSS DRIVE FAIRBANKS, AK 99709 | $15K |
| VERUS EIN 91-1320111 NONE | Investment advisory (plan); Direct payment from the plan Service code 27 | — | $12K |
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 | 1,729 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 44 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,773 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,523 | $28K |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 1,546 | $1.5M |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,523 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,546 | — |
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.
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.