| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS | 111 SW COLUMBIA STREET STE 500 PORTLAND, OR 97201 | PROVIDENCE HEALTH PLAN | $70K | — | $70K | 0.54% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY | $242 | — | $242 | 1.03% |
| 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 | $21 | — | $21 | 0.54% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TOWERS WATSON PENNSYLVANIA, INC EIN 23-1159360 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $59K |
| NORTHERN TRUST COMPANY EIN 36-1561860 NONE | Direct payment from the plan; Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $47K |
| MERCER INVESTMENT CONSULTING EIN 61-0736136 NONE | Direct payment from the plan; Investment management fees paid indirectly by plan; Investment management fees paid directly by plan; Investment management Service code 28 | — | $14K |
| WELLS FARGO BANK NA EIN 94-1347393 NONE | Direct payment from the plan; Trustee (bank, trust company, or similar financial institution); Distribution (12b-1) fees Service code 21 | — | $7K |
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 | 2,810 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,957 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 12 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,779 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | PROVIDENCE HEALTH PLAN | 4,779 | $14.1M |
| Dental(2 contracts, 2 carriers) | TOWERS WATSON PENNSYLVANIA, INC. | 4,779 | $1.2M |
| Vision(3 contracts, 3 carriers) | PROVIDENCE HEALTH PLAN | 4,779 | $14.1M |
| Life insurance(2 contracts, 2 carriers) | TOWERS WATSON PENNSYLVANIA, INC. | 4,779 | $1.2M |
| Long-term disability(2 contracts, 2 carriers) | TOWERS WATSON PENNSYLVANIA, INC. | 4,779 | $1.2M |
| Prescription drug(3 contracts, 3 carriers) | PROVIDENCE HEALTH PLAN | 4,779 | $14.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,779 | — |
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.