| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAVENS & COMPANY INC3 Filed as: HAVENS AND COMPANY INC. | PO BOX 1505 MANCHESTER, MA 01944 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $105K | $17K | $121K | 7.80% |
| HAVENS & COMPANY INC3 Filed as: HAVENS & CO INC | PO BOX 1505 MANCHESTER, MA 01944 | METROPOLITAN LIFE INSURANCE COMPANY | $51K | — | $51K | 4.33% |
| HAVENS & COMPANY INC3 Filed as: HAVENS & CO INC | PO BOX 1505 MANCHESTER, MA 01944 | METROPOLITAN LIFE INSURANCE COMPANY | $51K | — | $51K | 8.82% |
| HAVENS & COMPANY INC3 Filed as: HAVENS & CO. INC. | PO BOX 1505 MANCHESTER, MA 01944 | METROPOLITAN LIFE INSURANCE COMPANY | $33K | — | $33K | 8.01% |
| HAVENS & COMPANY INC3 Filed as: HAVENS & CO INC | PO BOX 1505 MANCHESTER, MA 01944 | METROPOLITAN LIFE INSURANCE COMPANY | $27K | — | $27K | 8.85% |
| HAVENS & COMPANY INC3 Filed as: HAVENS & COMPANY | PO BOX 1505 MANCHESTER, MA 01944 | METLIFE LEGAL PLANS | $14K | — | $14K | 11.03% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN LLC | PO BOX 850502 MINNEAPOLIS, MN 55485 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $832 | — | $832 | 2.05% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | 1 N WHITE HORSE PIKE #2 HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $535 | — | $535 | 1.32% |
| BUCK GLOBAL LLC3 Filed as: BUCK GLOBAL, LLC | 420 LEXINGTON AVENUE SUITE 2220 NEW YORK, NY 10170 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $35 | — | $35 | 0.09% |
| HUGO CHRISTOPHER GUCKERT3 | 4500 BLACK ROCK ROAD SUITE 310 HAMPSTEAD, MD 21074 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $23 | — | $23 | 0.06% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES WARD | 4500 FORT JACKSON BOULEVARD 3RD FLOOR COLUMBIA, SC 29209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.02% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | 1 N WHITE HORSE PIKE #2 HAMMONTON, NJ 08037 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $427 | — | $427 | 7.89% |
| BUCK GLOBAL LLC3 Filed as: BUCK GLOBAL, LLC | 420 LEXINGTON AVENUE SUITE 2220 NEW YORK, NY 10170 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $62 | — | $62 | 1.15% |
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 | 34,257 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 80 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 34,337 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(5 contracts, 2 carriers) | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 6,806 | $1.0M |
| Life insurance(4 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 11,604 | $2.1M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 5,035 | $1.6M |
| Other(9 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 32,822 | $3.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 32,822 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.