| 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 | $19K | $427K | $446K | 4.85% |
| MERCER HEALTH AND BENEFITS, LLC3 | 1717 ARCH ST., 27TH FLOOR PHILADELPHIA, PA 19103 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $158K | — | $158K | 3.95% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | OREGON DENTAL SERVICE DBA DELTA DENTAL OF OREGON | $38K | — | $38K | 3.99% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | STANDARD INSURANCE COMPANY | $48K | — | $48K | 10.06% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | STANDARD INSURANCE COMPANY | $36K | — | $36K | 10.09% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | STANDARD INSURANCE COMPANY | $31K | — | $31K | 10.11% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AETNA LIFE INSURANCE CO | $26K | — | $26K | 19.42% |
| MERCER HEALTH AND BENEFITS, LLC3 | ONE UNIVERSITY SQUARE DRIVE STE 100 PRINCETON, NJ 08540 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 12.91% |
| JASON M KING3 | 777 S FIGUEROA STREET STE 2400 LOS ANGELES, CA 90017 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 7.12% |
| HANS DELLENBACH JR.3 | 15 WEST SOUTH TEMPLE STE 700 SALT LAKE CITY, UT 84101 | STANDARD INSURANCE COMPANY | $716 | — | $716 | 1.65% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4 EMBARCADERO CTR, STE 40 SAN FRANCISCO, CA 94111 | TRANSAMERICA LIFE INSURANCE COMPANY | $11K | — | $11K | 32.78% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $2K | $483 | $3K | 12.01% |
| MERCER HEALTH AND BENEFITS, LLC3 | 1166 AVENUE OF THE AMERICAS FL 9 NEW YORK, NY 10036 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | — | $1 | $1 | 0.00% |
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 | 1,193 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,198 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,580 | $13.3M |
| Dental | OREGON DENTAL SERVICE DBA DELTA DENTAL OF OREGON | 1,668 | $953K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,580 | $9.2M |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 1,005 | $337K |
| Short-term disability | STANDARD INSURANCE COMPANY | 1,005 | $477K |
| Long-term disability(2 contracts) | STANDARD INSURANCE COMPANY | 1,005 | $401K |
| Prescription drug(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,580 | $13.2M |
| Other(5 contracts, 4 carriers) | STANDARD INSURANCE COMPANY | 1,005 | $819K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,668 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.