| 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 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $34K | $7K | $41K | 4.20% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 111 SW COLUMBIA SUITE 500 PORTLAND, OR 97201 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $19K | $4K | $22K | 4.20% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 111 SW COLUMBIA SUITE 500 PORTLAND, OR 97201 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $767 | $5K | 4.21% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 701 MARKET STREET SUITE 1100 SAINT LOUIS, MO 63101 | ZURICH AMERICAN INSURANCE COMPANY | $11K | — | $11K | 20.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFIT LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FEDERAL INSURANCE COMPANY | $431 | — | $431 | 19.99% |
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 | 3,956 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 43 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,999 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | MODA HEALTH PLAN, INC. | 1,748 | $28.4M |
| Dental | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | 1,748 | $13.2M |
| Vision | MODA HEALTH PLAN, INC. | 1,545 | $15.3M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,956 | $969K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,342 | $530K |
| Prescription drug(2 contracts, 2 carriers) | MODA HEALTH PLAN, INC. | 1,748 | $28.4M |
| Other(4 contracts, 4 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 29,877 | $202K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 29,877 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.