| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT DESIGN GROUP INC3 Filed as: BENEFIT DESIGN GROUP, LLC | 7140 SOUTHWEST FIR LOOP #220 PORTLAND, OR 97223 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $65K | — | $65K | 1.63% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC OR POR | 111 SOUTHWEST COLUMBIA STREET #500 PORTLAND, OR 97201 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $7K | — | $7K | 0.18% |
| BENEFIT DESIGN GROUP INC3 Filed as: BENEFIT DESIGN GROUP LLC | — | OREGON DENTAL SERVICE DBA DELTA DENTAL PLAN OF OREGON | $1K | — | $1K | 2.31% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFTIS | — | OREGON DENTAL SERVICE DBA DELTA DENTAL PLAN OF OREGON | $123 | — | $123 | 0.19% |
| BENEFIT DESIGN GROUP INC3 Filed as: BENEFIT DESIGN GROUP LLC | 7140 SOUTHWEST FIR LOOP SUITE 220 PORTLAND, OR 97223 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 7.12% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 3.48% |
| BENEFIT DESIGN GROUP INC3 Filed as: BENEFIT DESIGN GROUP LLC | 7140 SOUTHWEST FIR LOOP SUITE 220 PORTLAND, OH 97223 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 7.98% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 2.84% |
| BENEFIT DESIGN GROUP INC3 Filed as: BENEFIT DESIGN GROUP LLC | 7140 SOUTHWEST FIR LOOP SUITE 220 PORTLAND, OR 97223 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 8.47% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $650 | — | $650 | 2.07% |
| BENEFIT DESIGN GROUP INC3 Filed as: BENEFIT DESIGN GROUP LLC | 7140 SOUTHWEST FIR LOOP SUITE 220 PORTLAND, OR 97223 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 9.37% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $125 | — | $125 | 0.69% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN | PO BOX 310502 DES MOINES, IA 50331 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 50.46% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN | PO BOX 310502 DES MOINES, IA 50331 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 53.68% |
| BENEFIT DESIGN GROUP INC3 Filed as: BENEFIT DESIGN GROUP LLC | 7140 SOUTHWEST FIR LOOP SUITE 220 PORTLAND, OR 97223 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $277 | — | $277 | 7.97% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $99 | — | $99 | 2.85% |
No Schedule C service providers reported on this filing.
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 | 649 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 37 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 691 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | 694 | $4.0M |
| Dental(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | 694 | $4.1M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 649 | $41K |
| Short-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 649 | $50K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 464 | $50K |
| Other(6 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 750 | $103K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 750 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.