| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | OF PORTLAND 111 SW COLUMBIA ST. #500 PORTLAND, OR 97201 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $53K | — | $53K | 0.44% |
| JENNIFER CHISHOLM3 | MERCER HEALTH AND BENEFITS 111 SW COLUMBIA, SUITE 500 PORTLAND, OR 97201 | PROVIDENCE HEALTH PLAN | $2K | — | $2K | 0.47% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TOWERS WATSON PENNSYLVANIA, INC EIN 23-1159360 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $56K |
| NORTHERN TRUST COMPANY EIN 36-1561860 NONE | Trustee (bank, trust company, or similar financial institution); Direct payment from the plan Service code 21 | — | $28K |
| WELLS FARGO BANK NA NONE | Direct payment from the plan; Trustee (bank, trust company, or similar financial institution); Distribution (12b-1) fees Service code 21 | 301 W NORTHERN LIGHTS BLVD, SUITE 4 MAC K3212-046 ANCHORAGE, AK 99503 | $7K |
| DELOITTE TAX LLP EIN 86-1065772 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $6K |
| MERCER INVESTMENT CONSULTING EIN 61-0736136 NONE | Investment management; Investment management fees paid directly by plan; Investment management fees paid indirectly by plan; Direct payment from the plan Service code 28 | — | $3K |
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 | 2,744 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,623 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 19 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,386 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | 2,621 | $14.3M |
| Dental | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | 2,621 | $12.3M |
| Vision(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | 2,621 | $14.3M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 4,961 | $5.5M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 4,961 | $5.5M |
| Prescription drug(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | 2,621 | $14.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,961 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.