| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAVENS & COMPANY INC3 | PO BOX 1505 MANCHESTER, MA 019440860 | PRINCIPAL LIFE INSURANCE COMPANY | $247K | $55K | $302K | 5.73% |
| HAVENS & COMPANY INC3 | PO BOX 1505 MANCHESTER, MA 019440860 | SECURIAN LIFE INSURANCE COMPANY | $94K | $42K | $136K | 7.25% |
| HAVENS & COMPANY INC3 Filed as: HAVENS & COMPANY, INC. | PO BOX 1505 MANCHESTER, MA 019440860 | SECURIAN LIFE INSURANCE COMPANY | — | $22K | $22K | 2.25% |
| CAMMACK HEALTH LLC3 | 199 WATER STREET 9TH FLOOR NEW YORK, NY 10038 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $17K | — | $17K | 1.94% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES INC | 2399 HIGHWAY 34 BUILDING C2 MANASQUAN, NJ 087361500 | UNITED HEALTHCARE INSURANCE COMPANY | $75K | — | $75K | 9.85% |
| HAVENS & COMPANY INC3 | PO BOX 1505 MANCHESTER, MA 019440860 | PRINCIPAL LIFE INSURANCE COMPANY | $38K | $8K | $45K | 5.99% |
| HAVENS & COMPANY INC3 | PO BOX 1505 MANCHESTER, MA 019440860 | PRINCIPAL LIFE INSURANCE COMPANY | $23K | — | $23K | 4.66% |
| HAVENS & COMPANY INC3 | PO BOX 1505 MANCHESTER, MA 019440860 | SECURIAN LIFE INSURANCE COMPANY | $26K | $9K | $35K | 8.52% |
| HAVENS & COMPANY INC3 | PO BOX 1505 MANCHESTER, MA 019440860 | SECURIAN LIFE INSURANCE COMPANY | $17K | $8K | $25K | 7.25% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES, INC. | 2399 HIGHWAY 34 BUILDING C2 MANASQUAN, NJ 08736 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $22K | $33 | $22K | 10.12% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES, INC. | 2399 HIGHWAY 34 UNIT C-2 MANASQUAN, NJ 08736 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | — | $2K | $2K | 0.84% |
| HAYNES & COMPANY INC3 | PO BOX 1505 MANCHESTER, MA 019440860 | PRINCIPAL LIFE INSURANCE COMPANY | $9K | $2K | $11K | 5.32% |
| HAVENS & COMPANY INC3 Filed as: HAVENS & COMPANY, INC. | PO BOX 1267 GLOUCESTER, MA 01931 | SECURIAN LIFE INSURANCE COMPANY | — | $2K | $2K | 2.25% |
| HAVENS & COMPANY INC3 | PO BOX 1505 MANCHESTER, MA 019440860 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $752 | $4K | 5.15% |
| HAVENS & COMPANY INC3 | PO BOX 1505 MANCHESTER, MA 019440860 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 4.96% |
| HAVENS & COMPANY INC3 | PO BOX 1505 MANCHESTER, MA 019440860 | SECURIAN LIFE INSURANCE COMPANY | $4K | $1K | $5K | 9.02% |
| HAVENS & COMPANY INC3 | PO BOX 1505 MANCHESTER, MA 019440860 | SECURIAN LIFE INSURANCE COMPANY | $3K | $1K | $4K | 7.25% |
| HAVENS & COMPANY INC3 | PO BOX 1505 MANCHESTER, MA 019440860 | SECURIAN LIFE INSURANCE COMPANY | — | $779 | $779 | 2.25% |
| HAVENS & COMPANY INC3 | PO BOX 1505 MANCHESTER, MA 019440860 | SECURIAN LIFE INSURANCE COMPANY | $988 | $445 | $1K | 7.25% |
| HAVENS & COMPANY INC3 | PO BOX 1505 MANCHESTER, MA 019440860 | PRINCIPAL LIFE INSURANCE COMPANY | $768 | — | $768 | 4.26% |
| HAVENS & COMPANY INC3 | PO BOX 1505 MANCHESTER, MA 019440860 | PRINCIPAL LIFE INSURANCE COMPANY | $258 | — | $258 | 1.43% |
| HAVENS & COMPANY INC3 | PO BOX 1505 MANCHESTER, MA 019440860 | PRINCIPAL LIFE INSURANCE COMPANY | $506 | $135 | $641 | 4.95% |
| HAVENS & COMPANY INC3 | PO BOX 1505 MANCHESTER, MA 019440860 | SECURIAN LIFE INSURANCE COMPANY | — | $290 | $290 | 2.26% |
| 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 | $659 | $276 | $935 | 7.53% |
| HAVENS & COMPANY INC3 | PO BOX 1505 MANCHESTER, MA 019440860 | SECURIAN LIFE INSURANCE COMPANY | $564 | $254 | $818 | 7.25% |
| HAYNES & COMPANY INC3 | PO BOX 1505 MANCHESTER, MA 019440860 | SECURIAN LIFE INSURANCE COMPANY | $285 | $110 | $395 | 8.02% |
| HAVENS & COMPANY INC3 | PO BOX 1505 MANCHESTER, MA 019440860 | SECURIAN LIFE INSURANCE COMPANY | — | $55 | $55 | 2.25% |
| 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 | PRINCIPAL LIFE INSURANCE COMPANY | $43 | — | $43 | 3.83% |
| HAVENS & COMPANY INC3 | PO BOX 1505 MANCHESTER, MA 019440860 | SECURIAN LIFE INSURANCE COMPANY | $42 | $19 | $61 | 7.12% |
| 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 | 24,542 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 340 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 24,882 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 4,368 | $888K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 11,194 | $760K |
| Life insurance(10 contracts) | SECURIAN LIFE INSURANCE COMPANY | 10,998 | $3.4M |
| Short-term disability(10 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 10,750 | $6.9M |
| Long-term disability(10 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 10,750 | $6.9M |
| Other(13 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 21,842 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 21,842 | — |
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.