| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC4 Filed as: MERCER HEALTH & BENEFITS LLC - SEAT | 1301 5TH AVE STE 1900 SEATTLE, WA 98101 | PREMERA BLUE CROSS BLUE SHIELD OF ALASKA, INC | — | $23K | $23K | 0.51% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERCER US INC NONE | Consulting (general); Direct payment from the plan Service code 16 | 1031 5TH AVENUE, STE 1900 SEATTLE, WA 98101 | $125K |
| VIMLY BENEFIT SOLUTIONS NONE | Contract Administrator; Accounting (including auditing); Direct payment from the plan Service code 10 | 12121 HARBOUR REACH DR MUKILTEO, WA 98275 | $107K |
| CLIFTONLARSONALLEN, LLP EIN 41-0746749 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $32K |
| 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 | $25K |
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 | 319 | 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) | 338 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PREMERA BLUE CROSS BLUE SHIELD OF ALASKA, INC | 515 | $4.6M |
| Dental | PREMERA BLUE CROSS BLUE SHIELD OF ALASKA, INC | 515 | $4.6M |
| Vision | PREMERA BLUE CROSS BLUE SHIELD OF ALASKA, INC | 515 | $4.6M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 274 | $48K |
| Prescription drug | PREMERA BLUE CROSS BLUE SHIELD OF ALASKA, INC | 515 | $4.6M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 274 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 515 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.