| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAVENS & COMPANY INC3 Filed as: HAVENS & COMPANY, INC. | PO BOX 1505 MANCHESTER, MA 01944 | PRINCIPAL LIFE INSURANCE COMPANY | $342K | $133K | $475K | 7.04% |
| HAVENS & COMPANY INC3 Filed as: HAVENS & COMPANY, INC. | PO BOX 1505 MANCHESTER, MA 01944 | SECURIAN LIFE INSURANCE COMPANY | $52K | $42K | $94K | 5.10% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES, INC. | 2399 HIGHWAY 34, BUILDING C2 MANASQUAN, NJ 08736 | UNITEDHEALTHCARE INSURANCE COMPANY | $72K | $0 | $72K | 9.65% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES, INC. | 2399 HIGHWAY 34, SUITE C-2 MANASQUAN, NJ 08736 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE COMPANY | $17K | $4K | $21K | 12.04% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES, INC. | 1705 BAY AVENUE POINT PLEASANT, NJ 08742 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE COMPANY | $0 | $63 | $63 | 0.04% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES, INC. | 2399 HIGHWAY 34, SUITE C-2 MANASQUAN, NJ 08736 | METROPOLITAN GENERAL INSURANCE COMPANY | $6K | $926 | $6K | 17.31% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES, INC. | 1705 BAY AVENUE POINT PLEASANT, NJ 08742 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $63 | $63 | 0.17% |
| HAVENS & COMPANY INC3 Filed as: HAVENS & COMPANY, INC. | 586 BAY VILLAS LANE NAPLES, FL 34108 | ZURICH AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 6.27% |
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 | 11,094 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 11,094 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 5,926 | $743K |
| Life insurance | SECURIAN LIFE INSURANCE COMPANY | 12,515 | $1.8M |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 12,159 | $6.7M |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 12,159 | $6.7M |
| Other(4 contracts, 4 carriers) | SECURIAN LIFE INSURANCE COMPANY | 12,515 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 12,515 | — |
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.