| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAVENS & COMPANY INC3 | PO BOX 1505 MANCHESTER, MA 019440860 | PRINCIPAL LIFE INSURANCE COMPANY | $259K | $24K | $283K | 4.22% |
| LAURA ELIZABETH HALL3 | PO BOX 22318 LEXINGTON, KY 405222318 | PRINCIPAL LIFE INSURANCE COMPANY | $18K | — | $18K | 2.39% |
| CAMMACK HEALTH LLC3 | ONE BATTERY PARK PLAZA SUITE 600 NEW YORK, NY 10004 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $19K | — | $19K | 2.74% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES INC | 2399 HIGHWAY 34 BUILDING C2 MANASQUAN, NJ 087361500 | UNITED HEALTHCARE INSURANCE COMPANY | $57K | — | $57K | 9.98% |
| HAVENS & COMPANY INC3 Filed as: HAVENS & COMPANY, INC. | PO BOX 1267 GLOUCESTER, MA 01931 | ZURICH AMERICAN INSURANCE COMPANY | $21K | — | $21K | 6.00% |
| HAYNES & COMPANY INC3 | PO BOX 1505 MANCHESTER, MA 019440860 | PRINCIPAL LIFE INSURANCE COMPANY | $10K | $1K | $11K | 4.07% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES, INC. | 2399 HIGHWAY 34 SUITE C-2 MANASQUAN, NJ 08736 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $19K | $154 | $19K | 10.42% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES, INC. | 2399 HIGHWAY 34 SUITE C-2 MANASQUAN, NJ 08736 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | — | $510 | $510 | 0.28% |
| HAVENS & COMPANY INC3 | PO BOX 1505 MANCHESTER, MA 019440860 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $353 | $4K | 3.97% |
| LAURA ELIZABETH HALL3 | PO BOX 22318 LEXINGTON, KY 405222318 | PRINCIPAL LIFE INSURANCE COMPANY | $951 | — | $951 | 2.22% |
| HAVENS & COMPANY INC3 Filed as: HAVENS & COMPANY, INC. | PO BOX 1267 GLOUCESTER, MA 01931 | ZURICH AMERICAN INSURANCE COMPANY | $2K | — | $2K | 6.00% |
| HAVENS & COMPANY INC3 | PO BOX 1505 MANCHESTER, MA 019440860 | PRINCIPAL LIFE INSURANCE COMPANY | $794 | $67 | $861 | 4.18% |
| HAVENS & COMPANY INC3 | PO BOX 1505 MANCHESTER, MA 019440860 | PRINCIPAL LIFE INSURANCE COMPANY | $32K | $2K | $34K | 163.72% |
| LAURA ELIZABETH HALL3 | PO BOX 22318 LEXINGTON, KY 405222318 | PRINCIPAL LIFE INSURANCE COMPANY | $405 | — | $405 | 2.00% |
| LAURA ELIZABETH HALL3 | PO BOX 22318 LEXINGTON, KY 405222318 | PRINCIPAL LIFE INSURANCE COMPANY | $383 | — | $383 | 2.21% |
| HAVENS & COMPANY INC3 Filed as: HAVENS & COMPANY, INC. | P.O. BOX 1267 GLOUCESTER, MA 01931 | ZURICH AMERICAN INSURANCE COMPANY | $764 | — | $764 | 6.00% |
| HAVEN BENEFITS3 Filed as: HAVEN & COMPANY, LLC | 586 BAY VIILAS LANE NAPLES, FL 34108 | GERBER LIFE INSURANCE COMPANY | $757 | — | $757 | 6.00% |
| HAVENS & COMPANY INC3 Filed as: HAVENS & COMPANY, INC. | PO BOX 1267 GLOUCESTER, MA 01931 | ZURICH AMERICAN INSURANCE COMPANY | $233 | — | $233 | 6.01% |
| LAURA ELIZABETH HALL3 | PO BOX 22318 LEXINGTON, KY 405222318 | PRINCIPAL LIFE INSURANCE COMPANY | $69 | — | $69 | 2.19% |
| HAVENS & COMPANY INC3 Filed as: HAVENS & COMPANY, LLC | 586 BAY VILLAS LANE NAPLES, FL 34108 | GERBER LIFE INSURANCE COMPANY | $92 | — | $92 | 5.99% |
| HAVENS & COMPANY INC3 Filed as: HAVENS & COMPANY, INC. | PO BOX 1267 GLOUCESTER, MA 01931 | ZURICH AMERICAN INSURANCE COMPANY | $62 | — | $62 | 6.04% |
| HAVENS & COMPANY INC3 Filed as: HAVENS & COMPANY, LLC | 586 BAY VILLAS LANE NAPLES, FL 34108 | GERBER LIFE INSURANCE COMPANY | $42 | — | $42 | 6.00% |
| HAVENS & COMPANY INC3 Filed as: HAVENS & COMPANY, LLC | 586 BAY VILLAS LANE NAPLES, FL 34108 | GERBER LIFE INSURANCE COMPANY | $30 | — | $30 | 6.00% |
| HAVENS & COMPANY INC3 Filed as: HAVENS & COMPANY, LLC | 586 BAY VILLAS LANE NAPLES, FL 34108 | GERBER LIFE INSURANCE COMPANY | $30 | — | $30 | 6.00% |
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 | 24,300 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 188 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 24,488 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(5 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 3,680 | $861K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 4,155 | $571K |
| Life insurance(5 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 11,852 | $7.1M |
| Short-term disability(10 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 11,852 | $8.0M |
| Long-term disability(5 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 11,852 | $7.1M |
| Other(14 contracts, 5 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 21,425 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 21,425 | — |
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."
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.