| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $19K | $3K | $22K | 9.77% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 601 WEST MAIN AVENUE, SUITE 1300 SPOKANE, WA 99201 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 6.34% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHWEST LLC | PO BOX 10167 EUGENE, OR 97440 | PRINCIPAL LIFE INSURANCE COMPANY | $904 | $0 | $904 | 1.26% |
| LISA BILGEN DE HERRERA3 | 14830 AIRLIE ROAD MONMOUTH, OR 97361 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $607 | $0 | $607 | 4.27% |
| JULIE WOLDEN3 | 2231 LARCH STREET LONGVIEW, WA 98632 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $197 | $0 | $197 | 1.39% |
| MICHAEL LEROY ALLEY3 | 2189 SOUTHEAST 12TH AVENUE CANBY, OR 97013 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $130 | $0 | $130 | 0.92% |
| MARCI TALBURT3 | 4721 AZALEA GLEN ROAD GLENDALE, OR 99744 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $118 | $0 | $118 | 0.83% |
| BRYAN JORAMO3 | 2606 STRASBURG DRIVE FOREST GROVE, OR 97116 | AFLAC | $174 | $0 | $174 | 3.30% |
| DAVID M. JOHNSON AND OTHER AGENTS3 | 3222 SOUTH SAGLE ROAD SAGLE, ID 83860 | AFLAC | $74 | $0 | $74 | 1.40% |
| SIDNEY BRYON STONE3 | 2475 BAINES BOULEVARD HUBBARD, OR 97032 | AFLAC | $64 | $0 | $64 | 1.22% |
| KRISS A CLONINGER3 Filed as: KRISS A. CLONINGER | 23660 SW DELANOIS PLACE SHERWOOD, OR 97140 | AFLAC | $42 | $0 | $42 | 0.80% |
| MORGAN SUSANNE ROE3 | 4850 OBISPO ROAD ARASCADERO, CA 93422 | AFLAC | $33 | $0 | $33 | 0.63% |
| JOHN WILLIAM BURKHART3 | 6184 SOUTH EGRET STREET WASILLA, AK 99623 | AFLAC | $31 | $0 | $31 | 0.59% |
| MATTHEW G BERGER3 Filed as: MATTHEW A. BUMALA | 11504 NW 30TH COURT VANCOUVER, WA 98685 | AFLAC | $24 | $0 | $24 | 0.46% |
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 | 548 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 548 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 548 | $247K |
| Short-term disability(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 548 | $304K |
| Long-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 548 | $299K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 548 | $235K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 548 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.