Form 5500 · Employee benefit plan · DULUTH, MN
ESSENTIA HEALTH
ESSENTIA HEALTH of DULUTH, MN is a 13,513-participant health care and social assistance employer — a large group whose insured benefits are disclosed on Schedule A of its Form 5500. Its broker of record is MERCER HEALTH AND BENEFITS, LLC. Coverage is written through THE LINCOLN NATIONAL LIFE INSURANCE COMPANY and 2 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 20-0360007 · plan 501 · as of Aug 2026
Plan brief
Schedule A lists 10 insured contracts covering vision, life and disability; the largest, with THE LINCOLN NATIONAL LIFE INSURANCE COMPANY, covers 13,833 people.
Reported premium across the insured contracts is $12,320,540, with $931,584 in disclosed broker commissions — about 7.6% of premium.
The most recent policy period ended in December, and the plan year ends December 31. Group contracts typically renew on that annual cycle.
MERCER HEALTH AND BENEFITS, LLC is the broker of record on 4 of the 10 contracts; the rest name a different broker or none.
3 carriers appear on the filing — THE LINCOLN NATIONAL LIFE INSURANCE COMPANY, FIDELITY SECURITY LIFE INSURANCE COMPANY and BERKLEY LIFE AND HEALTH INSURANCE COMPANY — with THE LINCOLN NATIONAL LIFE INSURANCE COMPANY writing the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Life | 13,833 | December | $3,718,633 | $260,305 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | 1,304 | December | $351,264 | $228,322 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | 2,548 | December | $273,228 | $136,614 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | 9,453 | December | $3,582,988 | $107,490 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | 1,242 | December | $348,877 | $87,219 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Disability | 13,623 | December | $2,432,926 | $85,152 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Life | 4,631 | December | $378,306 | $26,482 |
| FIDELITY SECURITY LIFE INSURANCE COMPANY | Vision | 12,908 | December | $1,204,670 | $0 |
| BERKLEY LIFE AND HEALTH INSURANCE COMPANY | — | 13,833 | March | $22,272 | $0 |
| FIDELITY SECURITY LIFE INSURANCE COMPANY | Vision | 73 | December | $7,376 | $0 |
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