| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 111 SW COLUMBIA SUITE 500 PORTLAND, OR 97201 | PROVIDENCE HEALTH PLAN | $93K | — | $93K | 0.50% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 111 SW COLUMBIA SUITE 500 PORTLAND, OR 97201 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | — | $5K | $5K | 0.09% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 111 SW COLUMBIA SUITE 500 PORTLAND, OR 97201 | STANDARD INSURANCE COMPANY | $55K | $13K | $69K | 9.38% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 111 SW COLUMBIA SUITE 500 PORTLAND, OR 97201 | STANDARD INSURANCE COMPANY | $21K | $14K | $35K | 5.00% |
| AON CONSULTING INC3 Filed as: AON RISK INS SERVICES WEST, INC. | 851 SW 6TH AVENUE SUITE 385 PORTLAND, OR 972041309 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $19K | — | $19K | 7.27% |
| LONG TERM CARE SOLUTIONS, INC.3 Filed as: LONG TERM CARE SOLUTIONS INC. | 14715 NE 95TH STREET SUITE 200 REDMOND, WA 98052 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $33K | — | $33K | 20.37% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 851 SW 6TH AVENUE SUITE 385 PORTLAND, OR 972041309 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 7.28% |
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 | 2,493 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 111 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,604 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 4 carriers) | PROVIDENCE HEALTH PLAN | 3,302 | $25.5M |
| Dental(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | 933 | $6.1M |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 2,493 | $766K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 2,493 | $732K |
| Prescription drug(5 contracts, 4 carriers) | PROVIDENCE HEALTH PLAN | 3,302 | $25.5M |
| Other(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 2,493 | $926K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,302 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.