| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAVENS & COMPANY INC3 | PO BOX 1505 MANCHESTER, MA 01944 | MINNESOTA LIFE INSURANCE COMPANY | $0 | $308K | $308K | 1.25% |
| HAVENS & COMPANY INC3 | PO BOX 1505 MANCHESTER, MA 01944 | MINNESOTA LIFE INSURANCE COMPANY | $0 | $124K | $124K | 1.25% |
| HAVENS & COMPANY INC3 | PO BOX 1505 MANCHESTER, MA 01944 | MINNESOTA LIFE INSURANCE COMPANY | $100K | $18K | $118K | 8.24% |
| HAVENS & COMPANY INC3 | PO BOX 1505 MANCHESTER, MA 01944 | SECURIAN LIFE INSURANCE COMPANY | $115K | $17K | $133K | 17.22% |
| HAVENS & COMPANY INC3 | PO BOX 1505 MANCHESTER, MA 01944 | SECURIAN LIFE INSURANCE COMPANY | $99K | $15K | $113K | 17.25% |
| HAVENS & COMPANY INC3 | PO BOX 1505 MANCHESTER, MA 01944 | SECURIAN LIFE INSURANCE COMPANY | $89K | $13K | $102K | 17.22% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BUSINESSSOLVER EIN 42-1503807 NONE | Direct payment from the plan; Participant communication; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator Service code 13 | 1025 ASHWORTH RD, SUITE 101 WEST DES MOINES, IA 50265 | $340K |
| THE BANK OF NEW YORK MELLON EIN 35-6787007 NONE | Custodial (securities); Valuation (appraisals, etc.); Other services; Float revenue; Direct payment from the plan; Trustee (bank, trust company, or similar financial institution) Service code 19 | 240 GREENWICH ST NEW YORK, NY 10286 | $45K |
| PARMS + COMAPNY EIN 01-0548473 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | 400 S 5TH ST, STE 200 COLUMBUS, OH 43215 | $24K |
| AON INVESTMENTS USA INC EIN 36-3109431 NONE | Consulting (general); Investment advisory (plan); Direct payment from the plan Service code 16 | 200 EAST RANDOLPH ST CHICAGO, IL 60601 | $4K |
| WILLIS TOWERS WATSON LLC EIN 53-0181291 NONE | Consulting (general); Consulting fees; Actuarial; Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 11 | 775 YARD ST COLUMBUS, OH 43212 | $53 |
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 | 15,981 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15,027 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 308 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 31,316 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | MINNESOTA LIFE INSURANCE COMPANY | 31,294 | $34.5M |
| Other(4 contracts, 2 carriers) | MINNESOTA LIFE INSURANCE COMPANY | 8,799 | $3.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 31,294 | — |
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."
No prospect flags tripped on this filing.