| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAVENS & COMPANY INC3 Filed as: HAVENS & COMPANY INC. | PO BOX 1505 MANCHESTER, MA 01944 | MINNESOTA LIFE INSURANCE COMPANY | $101K | $451K | $552K | 1.70% |
| HAVENS & COMPANY INC3 Filed as: HAVENS & COMPANY INC. | PO BOX 1505 MANCHESTER, MA 01944 | SECURIAN LIFE INSURANCE COMPANY | $84K | $13K | $97K | 17.33% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EDINBURGH PARTNERS LIMITED NONE KNOWN | Investment management; Direct payment from the plan; Soft dollars commissions; Investment management fees paid directly by plan; Securities brokerage commissions and fees Service code 28 | — | $187K |
| SANDS CAPITAL MANAGEMENT, LLC EIN 20-2830751 NONE KNOWN | Investment management fees paid directly by plan; Soft dollars commissions; Direct payment from the plan; Investment management Service code 28 | — | $137K |
| TEMPLETON INVESTMENT COUNSEL, LLC EIN 94-3385113 NONE KNOWN | Investment management; Investment management fees paid directly by plan; Soft dollars commissions; Direct payment from the plan Service code 28 | — | $126K |
| VONTOBEL ASSET MANAGEMENT, INC. EIN 13-3223264 NONE KNOWN | Direct payment from the plan; Investment management fees paid directly by plan; Investment management Service code 28 | — | $114K |
| THE BANK OF NEW YORK MELLON EIN 13-5160382 NONE KNOWN | Shareholder servicing fees; Trustee (bank, trust company, or similar financial institution); Direct payment from the plan; Custodial (securities); Other fees Service code 19 | — | $112K |
| MERCER EIN 20-1932099 NONE KNOWN | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Direct payment from the plan; Participant communication Service code 13 | — | $67K |
| PARMS & COMPANY EIN 01-0548473 NONE KNOWN | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $17K |
| WILLIS TOWERS WATSON EIN 53-0181291 NONE KNOWN | Consulting (pension); Direct payment from the plan; Consulting fees; Actuarial Service code 11 | — | $17K |
| TOWERS WATSON INVESTMENT SERVICES EIN 52-1868818 NONE KNOWN | Direct payment from the plan; Consulting fees; Investment advisory (plan); Consulting (general) Service code 16 | — | $8K |
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 | 18,011 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13,376 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 31,387 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | MINNESOTA LIFE INSURANCE COMPANY | 31,387 | $33.1M |
| Other(2 contracts, 2 carriers) | MINNESOTA LIFE INSURANCE COMPANY | 31,387 | $33.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 31,387 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.