| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BACKLUND & ASSOCIATES PC3 | 1500 VALLEY RIVER DRIVE SUITE 300 EUGENE, OR 97401 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $14K | — | $14K | 10.02% |
| BRADLEY J. BACKLUND3 | 1500 VALLEY RIVER DRIVE, SUITE 300 EUGENE, OR 97401 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 4.98% |
| BACKLUND & ASSOCIATES PC3 | 1500 VALLEY RIVER DRIVE SUITE 300 EUGENE, OR 97401 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 5.04% |
| BRADLEY J. BACKLUND3 | 1500 VALLEY RIVER DRIVE SUITE 300 EUGENE, OR 97401 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 4.96% |
| BACKLUND & ASSOCIATES PC3 | 1500 VALLEY RIVER DRIVE SUITE 300 EUGENE, OR 97401 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $14K | — | $14K | 13.57% |
| BRADLEY J. BACKLUND3 | 1500 VALLEY RIVER DRIVE SUITE 300 EUGENE, OR 97401 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 1.43% |
| BRADLEY J. BACKLUND3 | 1500 VALLEY RIVER DRIVE SUITE 300 EUGENE, OR 97401 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 7.94% |
| BACKLUND & ASSOCIATES PC3 | 1500 VALLEY RIVER DRIVE SUITE 300 EUGENE, OR 97401 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 7.06% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | $27 | $3K | 10.05% |
| MERCER HEALTH AND BENEFITS, LLC3 | PO BOX 310502 DES MOINES, IA 503310502 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $263 | $2K | 23.63% |
| MERCER HEALTH AND BENEFITS, LLC3 | 701 MARKET STREET STE 1100 ST. LOUIS, MO 63101 | AXIS INSURANCE COMPANY | $1K | — | $1K | 25.01% |
| MERCER HEALTH AND BENEFITS, LLC3 | PO BOX 310502 DES MOINES, IA 503310502 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | $192 | $3K | 53.01% |
| MERCER HEALTH AND BENEFITS, LLC3 | PO BOX 310502 DES MOINES, IA 50331 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $982 | — | $982 | 19.92% |
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 | 342 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 349 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 11 | $5K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 384 | $32K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 396 | $119K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 375 | $105K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 382 | $135K |
| Other(6 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 396 | $319K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 396 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.