| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAVENS & COMPANY INC3 Filed as: HAVENS & CO., INC. | P.O. BOX 1505 MANCHESTER, MA 019440860 | METROPOLITAN LIFE INSURANCE COMPANY | $90K | — | $90K | 2.70% |
| HAVENS & COMPANY INC3 Filed as: HAVENS & CO., INC. | P.O. BOX 1505 MANCHESTER, MA 019440860 | MINNESOTA LIFE INSURANCE COMPANY | $51K | $23K | $74K | 7.20% |
| HAVENS & COMPANY INC3 Filed as: THE HAVENS COMPANY | P.O. BOX 22318 LEXINGTON, KY 40522 | EYEMED VISION CARE | $46K | — | $46K | 5.99% |
| FLEXVISION - MD3 | 15400 CALHOUN DR., STE. 125 ROCKVILLE, MD 20855 | EYEMED VISION CARE | — | $15K | $15K | 2.00% |
| HAVENS & COMPANY INC3 Filed as: HAVENS & COMPANY, INC. | 8875 CAMARGO RD CINCINNATI, OH 45243 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $38K | — | $38K | 5.00% |
| HAVENS & COMPANY INC3 Filed as: HAVENS & CO., INC. | P.O. BOX 1505 MANCHESTER, MA 019440860 | METROPOLITAN LIFE INSURANCE COMPANY | $43K | — | $43K | 11.12% |
| HAVENS & COMPANY INC3 Filed as: HAVENS & CO., INC. | P.O. BOX 1505 MANCHESTER, MA 019440860 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | — | $8K | 2.57% |
| HAVENS & COMPANY INC3 Filed as: HAVENS & COMPANY, INC. | P.O. BOX 1505 MANCHESTER, MA 01944 | MINNESOTA LIFE INSURANCE COMPANY | $31K | $4K | $35K | 17.17% |
| HAVENS & COMPANY INC3 Filed as: HAVENS & COMPANY | P.O. BOX 1505 MANCHESTER, MA 01944 | HYATT LEGAL PLANS | $12K | — | $12K | 9.92% |
| HAVENS & COMPANY INC3 Filed as: THE HAVENS COMPANY | P.O. BOX 22318 LEXINGTON, KY 40522 | EYEMED VISION CARE | $4K | — | $4K | 6.28% |
| FLEXVISION - MD3 | 15400 CALHOUN DR., STE. 125 ROCKVILLE, MD 20855 | EYEMED VISION CARE | — | $1K | $1K | 2.09% |
| HAVENS & COMPANY INC3 Filed as: THE HAVENS COMPANY | P.O. BOX 22318 LEXINGTON, KY 40522 | EYEMED VISION CARE | $711 | — | $711 | 6.44% |
| FLEXVISION - MD3 | 15400 CALHOUN DR., STE. 125 ROCKVILLE, MD 20855 | EYEMED VISION CARE | — | $237 | $237 | 2.15% |
| HAVENS & COMPANY INC3 Filed as: HAVENS & CO., INC. | P.O. BOX 1505 MANCHESTER, MA 019440860 | METROPOLITAN LIFE INSURANCE COMPANY | $231 | — | $231 | 3.67% |
| HAVENS & COMPANY INC3 Filed as: HAVENS & COMPANY, INC. | 586 BAY VILLAS LANE NAPLES, FL 34108 | GERBER LIFE & ACCIDENT INSURANCE COMPANY | $494 | — | $494 | 15.02% |
| HAVENS & COMPANY INC3 Filed as: HAVENS & CO., INC. | P.O. BOX 1505 MANCHESTER, MA 019440860 | METROPOLITAN LIFE INSURANCE COMPANY | -$17 | — | -$17 | — |
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 | 6,199 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 136 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,335 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 11,607 | $3.6M |
| Vision(3 contracts) | EYEMED VISION CARE | 9,386 | $843K |
| Life insurance(2 contracts) | MINNESOTA LIFE INSURANCE COMPANY | 6,014 | $1.2M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 6,229 | $770K |
| Other(5 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 6,229 | $524K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 11,607 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.