| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAVENS & COMPANY INC3 | PO BOX 1505 MANCHESTER, MA 019440860 | PRINCIPAL LIFE INSURANCE COMPANY | $242K | — | $242K | 4.61% |
| HAVENS & COMPANY INC3 | PO BOX 1505 MANCHESTER, MA 019440860 | SECURIAN LIFE INSURANCE COMPANY | $90K | $40K | $130K | 7.24% |
| HAVENS & COMPANY INC3 Filed as: HAVENS & COMPANY, INC. | PO BOX 1505 MANCHESTER, MA 019440860 | SECURIAN LIFE INSURANCE COMPANY | — | $21K | $21K | 2.24% |
| CAMMACK HEALTH LLC3 | 199 WATER STREET 9TH FLOOR NEW YORK, NY 10038 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $21K | — | $21K | 2.52% |
| HAVENS & COMPANY INC3 | PO BOX 1505 MANCHESTER, MA 019440860 | PRINCIPAL LIFE INSURANCE COMPANY | $36K | — | $36K | 4.91% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES INC | 2399 HIGHWAY 34 BUILDING C2 MANASQUAN, NJ 087361500 | UNITED HEALTHCARE INSURANCE COMPANY | $74K | — | $74K | 10.15% |
| HAVENS & COMPANY INC3 | PO BOX 1505 MANCHESTER, MA 019440860 | SECURIAN LIFE INSURANCE COMPANY | $35K | $9K | $44K | 11.38% |
| HAVENS & COMPANY INC3 | PO BOX 1505 MANCHESTER, MA 019440860 | SECURIAN LIFE INSURANCE COMPANY | $14K | $6K | $20K | 7.24% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES, INC. | 2399 HIGHWAY 34 BUILDING C2 MANASQUAN, NJ 08736 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $21K | $175 | $21K | 10.18% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES, INC. | 2399 HIGHWAY 34 UNIT C-2 MANASQUAN, NJ 08736 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | — | $7K | $7K | 3.22% |
| HAYNES & COMPANY INC3 | PO BOX 1505 MANCHESTER, MA 019440860 | PRINCIPAL LIFE INSURANCE COMPANY | $9K | — | $9K | 4.20% |
| HAVENS & COMPANY INC3 Filed as: HAVENS & COMPANY, INC. | PO BOX 1267 GLOUCESTER, MA 01931 | SECURIAN LIFE INSURANCE COMPANY | — | $2K | $2K | 2.24% |
| HAVENS & COMPANY INC3 | PO BOX 1505 MANCHESTER, MA 019440860 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 4.10% |
| HAVENS & COMPANY INC3 | PO BOX 1505 MANCHESTER, MA 019440860 | SECURIAN LIFE INSURANCE COMPANY | $3K | $1K | $4K | 7.24% |
| HAVENS & COMPANY INC3 | PO BOX 1505 MANCHESTER, MA 019440860 | SECURIAN LIFE INSURANCE COMPANY | $5K | $1K | $6K | 11.96% |
| HAVENS & COMPANY INC3 | PO BOX 1505 MANCHESTER, MA 019440860 | SECURIAN LIFE INSURANCE COMPANY | — | $777 | $777 | 2.24% |
| HAVENS & COMPANY INC3 | PO BOX 1505 MANCHESTER, MA 019440860 | SECURIAN LIFE INSURANCE COMPANY | $922 | $412 | $1K | 7.24% |
| HAVENS & COMPANY INC3 | PO BOX 1505 MANCHESTER, MA 019440860 | PRINCIPAL LIFE INSURANCE COMPANY | $505 | — | $505 | 3.80% |
| HAVENS & COMPANY INC3 | PO BOX 1505 MANCHESTER, MA 019440860 | SECURIAN LIFE INSURANCE COMPANY | $1K | $284 | $1K | 10.17% |
| HAVENS & COMPANY INC3 | PO BOX 1505 MANCHESTER, MA 019440860 | SECURIAN LIFE INSURANCE COMPANY | — | $283 | $283 | 2.24% |
| 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 | PO BOX 1505 MANCHESTER, MA 019440860 | SECURIAN LIFE INSURANCE COMPANY | $360 | $161 | $521 | 7.24% |
| HAYNES & COMPANY INC3 | PO BOX 1505 MANCHESTER, MA 019440860 | SECURIAN LIFE INSURANCE COMPANY | $453 | $116 | $569 | 10.86% |
| HAVENS & COMPANY INC3 | PO BOX 1505 MANCHESTER, MA 019440860 | SECURIAN LIFE INSURANCE COMPANY | — | $56 | $56 | 2.24% |
| HAVENS & COMPANY INC3 Filed as: HAVENS & COMPANY, LLC | 586 BAY VILLAS LANE NAPLES, FL 34108 | GERBER LIFE INSURANCE COMPANY | $88 | — | $88 | 6.01% |
| HAVENS & COMPANY INC3 | PO BOX 1505 MANCHESTER, MA 019440860 | SECURIAN LIFE INSURANCE COMPANY | $73 | $20 | $93 | 10.11% |
| 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 | 24,949 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 125 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 25,074 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 20,702 | $821K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 600 | $726K |
| Life insurance(10 contracts) | SECURIAN LIFE INSURANCE COMPANY | 10,634 | $3.2M |
| Short-term disability(5 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 10,396 | $6.3M |
| Long-term disability(5 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 10,396 | $6.3M |
| Other(13 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 21,180 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 21,180 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.