| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAVENS & COMPANY INC3 | PO BOX 1505 MANCHESTER, MA 019440860 | PRINCIPAL LIFE INSURANCE COMPANY | $269K | $97K | $365K | 6.28% |
| HAVENS & COMPANY INC3 | PO BOX 1505 MANCHESTER, MA 019440860 | SECURIAN LIFE INSURANCE COMPANY | $96K | $44K | $140K | 7.28% |
| HAVENS & COMPANY INC3 Filed as: HAVENS & COMPANY, INC. | PO BOX 1505 MANCHESTER, MA 019440860 | SECURIAN LIFE INSURANCE COMPANY | — | $23K | $23K | 2.28% |
| CAMMACK HEALTH LLC3 | 199 WATER STREET 9TH FLOOR NEW YORK, NY 10038 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $21K | — | $21K | 2.50% |
| HAVENS & COMPANY INC3 | PO BOX 1505 MANCHESTER, MA 019440860 | PRINCIPAL LIFE INSURANCE COMPANY | $37K | $14K | $51K | 6.21% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES INC | 2399 HIGHWAY 34 BUILDING C2 MANASQUAN, NJ 087361500 | UNITED HEALTHCARE INSURANCE COMPANY | $73K | — | $73K | 10.28% |
| HAVENS & COMPANY INC3 | PO BOX 1505 MANCHESTER, MA 019440860 | SECURIAN LIFE INSURANCE COMPANY | $27K | $10K | $37K | 8.54% |
| HAVENS & COMPANY INC3 | PO BOX 1505 MANCHESTER, MA 019440860 | SECURIAN LIFE INSURANCE COMPANY | $16K | $7K | $23K | 7.28% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES, INC. | 2399 HIGHWAY 34 BUILDING C2 MANASQUAN, NJ 08736 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $23K | — | $23K | 10.15% |
| 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 | 1.03% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES INC | 1705 BAY AVENUE POINT PLEASANT, NJ 08742 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | — | $39 | $39 | 0.02% |
| HAVENS & COMPANY INC3 | PO BOX 1505 MANCHESTER, MA 019440860 | PRINCIPAL LIFE INSURANCE COMPANY | $9K | $4K | $13K | 5.66% |
| HAVENS & COMPANY INC3 Filed as: HAVENS & COMPANY, INC. | PO BOX 1505 MANCHESTER, MA 019440860 | SECURIAN LIFE INSURANCE COMPANY | — | $2K | $2K | 2.28% |
| HAVENS & COMPANY INC3 | PO BOX 1505 MANCHESTER, MA 019440860 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $1K | $4K | 5.50% |
| HAVENS & COMPANY INC3 | PO BOX 1505 MANCHESTER, MA 019440860 | SECURIAN LIFE INSURANCE COMPANY | $3K | $1K | $5K | 7.28% |
| HAVENS & COMPANY INC3 | PO BOX 1505 MANCHESTER, MA 019440860 | SECURIAN LIFE INSURANCE COMPANY | $3K | $1K | $5K | 9.10% |
| HAVENS & COMPANY INC3 | PO BOX 1505 MANCHESTER, MA 019440860 | SECURIAN LIFE INSURANCE COMPANY | — | $794 | $794 | 2.28% |
| HAVENS & COMPANY INC3 | PO BOX 1505 MANCHESTER, MA 019440860 | SECURIAN LIFE INSURANCE COMPANY | $796 | $363 | $1K | 7.28% |
| HAVENS & COMPANY INC3 | PO BOX 1505 MANCHESTER, MA 019440860 | PRINCIPAL LIFE INSURANCE COMPANY | $559 | $245 | $804 | 5.44% |
| HAVEN BENEFITS3 Filed as: HAVEN & COMPANY, LLC | 586 BAY VIILAS LANE NAPLES, FL 34108 | GERBER LIFE INSURANCE COMPANY | $804 | — | $804 | 6.00% |
| HAVENS & COMPANY INC3 | PO BOX 1505 MANCHESTER, MA 019440860 | SECURIAN LIFE INSURANCE COMPANY | $697 | $296 | $993 | 7.58% |
| HAVENS & COMPANY INC3 | PO BOX 1505 MANCHESTER, MA 019440860 | SECURIAN LIFE INSURANCE COMPANY | — | $247 | $247 | 2.28% |
| HAVENS & COMPANY INC3 | PO BOX 1505 MANCHESTER, MA 019440860 | SECURIAN LIFE INSURANCE COMPANY | $514 | $235 | $749 | 7.28% |
| HAYNES & COMPANY INC3 | PO BOX 1505 MANCHESTER, MA 019440860 | SECURIAN LIFE INSURANCE COMPANY | $204 | $87 | $291 | 7.56% |
| HAVENS & COMPANY INC3 | PO BOX 1505 MANCHESTER, MA 019440860 | SECURIAN LIFE INSURANCE COMPANY | — | $58 | $58 | 2.28% |
| 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 | PO BOX 1505 MANCHESTER, MA 019440860 | SECURIAN LIFE INSURANCE COMPANY | $63 | $25 | $88 | 7.88% |
| HAVENS & COMPANY INC3 Filed as: HAVENS & COMPANY, LLC | 586 BAY VILLAS LANE NAPLES, FL 34108 | GERBER LIFE INSURANCE COMPANY | $44 | — | $44 | 5.95% |
| HAVENS & COMPANY INC3 Filed as: HAVENS & COMPANY, LLC | 586 BAY VILLAS LANE NAPLES, FL 34108 | GERBER LIFE INSURANCE COMPANY | $32 | — | $32 | 6.10% |
| HAVENS & COMPANY INC3 Filed as: HAVENS & COMPANY, LLC | 586 BAY VILLAS LANE NAPLES, FL 34108 | GERBER LIFE INSURANCE COMPANY | $32 | — | $32 | 6.10% |
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 | 25,339 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 376 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 25,715 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 4,460 | $843K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 1,342 | $714K |
| Life insurance(10 contracts) | SECURIAN LIFE INSURANCE COMPANY | 11,160 | $3.5M |
| Short-term disability(5 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 12,579 | $6.9M |
| Long-term disability(5 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 12,579 | $6.9M |
| Other(13 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 21,746 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 21,746 | — |
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.