| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $33 | $8K | 0.69% |
| 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 | $4K | $99 | $4K | 0.45% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS | 111 SW COLUMBIA ST SUITE 500 PORTLAND, OR 97201 | PROVIDENCE HEALTH PLAN | $862 | — | $862 | 0.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TOWERS WATSON PENNSYLVANIA, INC EIN 23-1159360 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $93K |
| NORTHERN TRUST COMPANY EIN 36-1561860 NONE | Direct payment from the plan; Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $30K |
| DELOITTE TAX LLP EIN 86-1065772 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $7K |
| WELLS FARGO BANK NA NONE | Direct payment from the plan; Distribution (12b-1) fees; Trustee (bank, trust company, or similar financial institution) Service code 21 | 301 W NORTHERN LIGHTS BLVD, SUITE 4 MAC K3212-046 ANCHORAGE, AK 99503 | $5K |
| MERCER INVESTMENT CONSULTING EIN 61-0736136 NONE | Investment management fees paid directly by plan; Investment management fees paid indirectly by plan; Direct payment from the plan; Investment management Service code 28 | — | $1K |
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 | 2,955 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,906 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 12 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,873 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 4 carriers) | PROVIDENCE HEALTH PLAN | 348 | $2.6M |
| Dental | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | 174 | $926K |
| Vision(4 contracts, 3 carriers) | PROVIDENCE HEALTH PLAN | 348 | $2.6M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 886 | $1.2M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 886 | $1.2M |
| Prescription drug(4 contracts, 3 carriers) | PROVIDENCE HEALTH PLAN | 348 | $2.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 886 | — |
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.