| 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 | — | $429 | $429 | 1.47% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA NONE | Consulting (general); Direct payment from the plan; Claims processing Service code 12 | 151 FARMINGTON AVENUE HARTFORD, CT 06156 | $537K |
| A. W. REHN & ASSOCIATES EIN 91-1008626 NONE | Contract Administrator; Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 13 | — | $340K |
| UNITED CLAIMS SOLUTIONS EIN 81-5149270 NONE | Other services; Direct payment from the plan Service code 49 | — | $123K |
| DELTA DENTAL NONE | Direct payment from the plan; Claims processing Service code 12 | PO BOX 75983 SEATTLE, WA 98175 | $118K |
| CAREOPERATIVE, LLC NONE | Direct payment from the plan; Claims processing Service code 12 | 5880 NOLENSVILLE PIKE SUITE 200 NASHVILLE, TN 37211 | $83K |
| RAEL & LETSON NONE | Direct payment from the plan; Consulting (pension) Service code 17 | 419 OCCIDENTAL AVE S SEATTLE, WA 98104 | $57K |
| TELEDOC HEALTH, INC EIN 04-3705970 NONE | Direct payment from the plan; Claims processing Service code 12 | 2 MANHATTANVILLE RD. PURCHASE, NY 10577 | $55K |
| WASHINGTON TRUST BANK NONE | Custodial (securities); Direct payment from the plan Service code 19 | 7815 N DIVISION ST SPOKANE, WA 99208 | $51K |
| CLIFTONLARSONALLEN LLP EIN 41-0746749 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $48K |
| TURNER, STOEVE & GAGLIARDI, PS EIN 91-1282506 NONE | Legal; Direct payment from the plan Service code 29 | — | $34K |
| CORELLIAN SOFTWARE, INC EIN 47-1372895 NONE | Direct payment from the plan; Consulting (pension) Service code 17 | — | $31K |
| JOSEPH H HERRLE & ASSOCIATES INC NONE | Direct payment from the plan; Insurance services Service code 23 | 1800 SW 1ST AVENUE S SEATTLE, WA 98104 | $27K |
| HCCMA EIN 23-7089668 NONE | Claims processing; Direct payment from the plan; Consulting (general) Service code 12 | 1469 HOLY CROSS DRIVE FAIRBANKS, AK 99709 | $22K |
| VISION SERVICE PLAN EIN 23-7089668 NONE | Direct payment from the plan; Claims processing Service code 12 | 1469 HOLY CROSS DRIVE FAIRBANKS, AK 99709 | $14K |
| VERUS EIN 91-1320111 NONE | Direct payment from the plan; Investment advisory (plan) Service code 27 | — | $11K |
| MQZ CONSULTING NONE | Direct payment from the plan; Consulting (general) Service code 16 | 1892 REISTERSTWON RD. SUITE 100 PIKESVILLE, MD 21208 | $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 | 1,612 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 66 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,678 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,684 | $29K |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 1,666 | $1.2M |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,684 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,684 | — |
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.