| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAVENS & COMPANY INC3 | PO BOX 1505 MANCHESTER, MA 01944 | MINNESOTA LIFE INSURANCE COMPANY | $0 | $297K | $297K | 1.26% |
| HAVENS & COMPANY INC3 | PO BOX 1505 MANCHESTER, MA 01944 | MINNESOTA LIFE INSURANCE COMPANY | $0 | $135K | $135K | 1.26% |
| HAVENS & COMPANY INC3 | PO BOX 1505 MANCHESTER, MA 01944 | MINNESOTA LIFE INSURANCE COMPANY | $98K | $18K | $117K | 7.95% |
| HAVENS & COMPANY INC3 | PO BOX 1505 MANCHESTER, MA 01944 | SECURIAN LIFE INSURANCE COMPANY | $149K | $22K | $172K | 17.23% |
| HAVENS & COMPANY INC3 | PO BOX 1505 MANCHESTER, MA 01944 | SECURIAN LIFE INSURANCE COMPANY | $109K | $16K | $125K | 17.23% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BUSINESSSOLVER EIN 42-1503807 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Participant communication; Direct payment from the plan; Contract Administrator Service code 13 | 1025 ASHWORTH ROAD, SUITE 101 WEST DES MOINES, IA 50265 | $405K |
| BANK OF NEW YORK MELLON EIN 13-5160382 NONE | Trustee (bank, trust company, or similar financial institution); Trustee (directed); Other services; Shareholder servicing fees; Float revenue; Custodial (securities); Valuation (appraisals, etc.); Named fiduciary; Account maintenance fees; Direct payment from the plan; Custodial (other than securities) Service code 18 | 240 GREENWICH ST NEW YORK, NY 10286 | $86K |
| WILLIS TOWERS WATSON ACTUARIAL SERV EIN 53-0181291 NONE | Actuarial; Direct payment from the plan; Consulting fees; Consulting (pension) Service code 11 | 775 YARD ST COLUMBUS, OH 43212 | $19K |
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 | 16,560 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14,244 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 371 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 31,175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | MINNESOTA LIFE INSURANCE COMPANY | 31,175 | $34.4M |
| Other(3 contracts, 2 carriers) | MINNESOTA LIFE INSURANCE COMPANY | 9,252 | $3.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 31,175 | — |
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.