| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAVENS & COMPANY INC3 Filed as: HAVENS AND COMPANY INC. | PO BOX 1505 MANCHESTER, MA 019441505 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $23K | $23K | 0.19% |
| HAVENS & COMPANY INC3 Filed as: HAVENS AND CO., INC | PO BOX 1505 MANCHESTER, MA 01944 | METROPOLITAN LIFE INSURANCE COMPANY | $27K | $103 | $27K | 4.18% |
| HAVENS & COMPANY INC3 Filed as: HAVENS AND COMPANY INC. | PO BOX 1505 MANCHESTER, MA 019440860 | METROPOLITAN LIFE INSURANCE COMPANY | — | $128 | $128 | 0.02% |
| HAVENS & COMPANY INC3 Filed as: HAVENS AND COMPANY INC. | PO BOX 1505 MANCHESTER, MA 019440860 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2 | $2 | 0.03% |
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 | 34,565 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 228 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 34,793 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(6 contracts, 2 carriers) | EYEMED VISION CARE | 7,783 | $1.2M |
| Life insurance(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 10,324 | $1.3M |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 4,034 | $11.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,324 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.