| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 111 SW COLUMBIA STREET SUITE 500 PORTLAND, OR 97201 | REGENCE BLUECROSS BLUESHIELD OF OREGON | $85K | $5K | $90K | 1.58% |
| MERCER HEALTH AND BENEFITS, LLC3 | 111 SW COLUMBIA STREET SUITE 500 PORTLAND, OR 97201 | REGENCE BLUECROSS BLUESHIELD OF OREGON | — | $257 | $257 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $19K | $1 | $19K | 2.01% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | — | $7K | $7K | 1.72% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 1.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | — | $53 | $53 | 0.01% |
| MERCER HEALTH AND BENEFITS, LLC3 | 111 SW COLUMBIA STREET SUITE 500 PORTLAND, OR 87201 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $9K | — | $9K | 2.59% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | STANDARD INSURANCE COMPANY | $7K | — | $7K | 4.24% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | STANDARD INSURANCE COMPANY | $7K | — | $7K | 6.69% |
| MERCER HEALTH AND BENEFITS, LLC3 | 800 MARKET STREET SUITE 1800 SAINT LOUIS, MO 63101 | FEDERAL INSURANCE COMPANY | $551 | — | $551 | 25.02% |
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 | 661 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 673 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 5 carriers) | REGENCE BLUECROSS BLUESHIELD OF OREGON | 647 | $7.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 952 | $418K |
| Vision(5 contracts, 5 carriers) | REGENCE BLUECROSS BLUESHIELD OF OREGON | 647 | $7.5M |
| Life insurance | STANDARD INSURANCE COMPANY | 661 | $162K |
| Long-term disability | STANDARD INSURANCE COMPANY | 661 | $101K |
| Prescription drug(5 contracts, 5 carriers) | REGENCE BLUECROSS BLUESHIELD OF OREGON | 647 | $7.5M |
| Other(3 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 661 | $265K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 952 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.