| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 111 SW COLUMBIA ST, SUITE 500 PORTLAND, OR 972015839 | UNITEDHEALTHCARE INSURANCE COMPANY | $14K | $172K | $186K | 2.80% |
| MERCER HEALTH AND BENEFITS, LLC3 | 1717 ARCH ST., 27TH FLOOR PHILADELPHIA, PA 19103 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $147K | — | $147K | 4.24% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | OREGON DENTAL SERVICE DBA DELTA DENTAL OF OREGON | $35K | — | $35K | 3.66% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | STANDARD INSURANCE COMPANY | $57K | — | $57K | 12.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | STANDARD INSURANCE COMPANY | $46K | — | $46K | 12.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | STANDARD INSURANCE COMPANY | $41K | — | $41K | 12.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AETNA LIFE INSURANCE CO | $28K | — | $28K | 26.51% |
| MERCER HEALTH AND BENEFITS, LLC3 | ONE UNIVERSITY DRIVE STE 100 PRINCETON, NJ 08540 | STANDARD INSURANCE COMPANY | $8K | — | $8K | 20.54% |
| JASON M KING3 | 777 S FIGUEROA STREET STE 2400 LOS ANGELES, CA 90017 | STANDARD INSURANCE COMPANY | $7K | — | $7K | 16.68% |
| HANS DELLENBACH JR.3 | 15 WEST SOUTH TEMPLE STE 700 SALT LAKE CITY, UT 84101 | STANDARD INSURANCE COMPANY | $679 | — | $679 | 1.66% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4 EMBARCADERO CTR, STE 40 SAN FRANCISCO, CA 94111 | TRANSAMERICA LIFE INSURANCE COMPANY | $10K | — | $10K | 29.88% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $2K | $326 | $3K | 11.48% |
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 | 1,011 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,017 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,448 | $10.2M |
| Dental | OREGON DENTAL SERVICE DBA DELTA DENTAL OF OREGON | 1,677 | $944K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,448 | $6.6M |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 1,005 | $373K |
| Short-term disability | STANDARD INSURANCE COMPANY | 1,005 | $474K |
| Long-term disability(2 contracts) | STANDARD INSURANCE COMPANY | 1,005 | $428K |
| Prescription drug(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,448 | $10.1M |
| Other(5 contracts, 4 carriers) | STANDARD INSURANCE COMPANY | 1,005 | $857K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,677 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.