| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC4 Filed as: MERCER HEALTH & BENEFITS LLC - SEA | 1201 5TH AVE STE 1900 SEATTLE, WA 98101 | PREMERA BLUE CROSS BLUE SHIELD OF ALASKA | — | $0 | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERCER US INC NONE | Consulting (general); Direct payment from the plan Service code 16 | 1166 AVENUE OF THE AMERICAS NEW YORK, NC 10036 | $136K |
| LAW OFFICE OF RICHARD A. EKMAN, P.S NONE | Legal; Direct payment from the plan Service code 29 | 3213 W. WHEELER ST. #307 SEATTLE, WA 98199 | $71K |
| VIMLY BENEFIT SOLUTIONS NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | 12121 HARBOUR REACH DR MUKILTEO, WA 98275 | $52K |
| MILNER, HOWARD, PALMER & EDWARDS NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | 426 MAIN ST KETCHIKAN, AK 99901 | $44K |
| MADISON SCOTTSDALE INVESTMENT NONE | Direct payment from the plan; Investment management Service code 28 | 8777 N GAINEY RANCH CENTER DR SUITE 220 SCOTTSDALE, AZ 85258 | $28K |
| PLEXIS HEALTHCARE SYSTEMS, INC. NONE | Consulting (general); Direct payment from the plan Service code 16 | 325 S RIVERSIDE AVE #1808 MEDFORD, OR 97501 | $13K |
| FIRST CHOICE HEALTH NETWORK, INC. NONE | Direct payment from the plan; Claims processing Service code 12 | 600 UNIVERSITY STREET, SUITE 1400 SEATTLE, WA 98101 | $8K |
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 | 277 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 19 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 296 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PREMERA BLUE CROSS BLUE SHIELD OF ALASKA | 551 | $3.0M |
| Dental | PREMERA BLUE CROSS BLUE SHIELD OF ALASKA | 551 | $3.0M |
| Vision | PREMERA BLUE CROSS BLUE SHIELD OF ALASKA | 551 | $3.0M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE CO. | 264 | $27K |
| Prescription drug | PREMERA BLUE CROSS BLUE SHIELD OF ALASKA | 551 | $3.0M |
| Stop-loss / reinsurancereinsurance | STARLINE GROUP | 207 | $159K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 551 | — |
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.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.