| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAVENS & COMPANY INC3 Filed as: HAVENS & CO INC | PO BOX 1505 MANCHESTER, MA 019440860 | METROPOLITAN LIFE INSURANCE COMPANY | $95K | $14K | $109K | 2.57% |
| HAVENS & COMPANY INC3 | PO BOX 1505 MANCHESTER, MA 01944 | MINNESOTA LIFE INSURANCE COMPANY | $56K | $26K | $82K | 7.05% |
| HAVENS & COMPANY INC3 | 8875 CAMARGO RD CINCINNATI, OH 45243 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $46K | — | $46K | 5.00% |
| HAVENS & COMPANY INC3 Filed as: HAVENS & CO INC | PO BOX 1505 MANCHESTER, MA 019440860 | METROPOLITAN LIFE INSURANCE COMPANY | $51K | $4K | $55K | 9.21% |
| HAVENS & COMPANY INC3 Filed as: HAVENS & COMPANY, INC. | P.O. BOX 22318 LEXINGTON, KY 40522 | EYEMED VISION CARE | $40K | — | $40K | 7.16% |
| FLEXVISION - MD3 | 15400 CALHOUN DR. ROCKVILLE, MD 20855 | EYEMED VISION CARE | $0 | $13K | $13K | 2.39% |
| HAVENS & COMPANY INC3 Filed as: HAVENS & COMPANY, INC. | P.O. BOX 22318 LEXINGTON, KY 40522 | EYEMED VISION CARE | $20K | — | $20K | 5.02% |
| FLEXVISION - MD3 | 15400 CALHOUN DR. ROCKVILLE, MD 20855 | EYEMED VISION CARE | $7K | — | $7K | 1.67% |
| HAVENS & COMPANY INC3 | PO BOX 1505 MANCHESTER, MA 01944 | MINNESOTA LIFE INSURANCE COMPANY | $40K | $6K | $45K | 17.21% |
| HAVENS & COMPANY INC3 Filed as: HAVENS & COMPANY | P.O. BOX 1505 MANCHESTER, MA 01944 | HYATT LEGAL PLANS | $14K | — | $14K | 9.85% |
| HAVENS & COMPANY INC3 Filed as: HAVENS & COMPANY, INC. | P.O. BOX 22318 LEXINGTON, KY 40522 | EYEMED VISION CARE | $702 | — | $702 | 7.13% |
| FLEXVISION - MD3 | 15400 CALHOUN DR. ROCKVILLE, MD 20855 | EYEMED VISION CARE | $0 | $234 | $234 | 2.38% |
| HAVENS & COMPANY INC3 Filed as: HAVENS & CO INC | PO BOX 1505 MANCHESTER, MA 019440860 | METROPOLITAN LIFE INSURANCE COMPANY | $751 | $19 | $770 | 13.21% |
| HAVENS & COMPANY INC3 Filed as: HAVENS & COMPANY, INC. | 586 BAY VILLAS LANE NAPLES, FL 34108 | GERBER LIFE & ACCIDENT INSURANCE COMPANY | $495 | — | $495 | 15.00% |
| HAVENS & COMPANY INC3 Filed as: HAVENS & COMPANY, INC. | P.O. BOX 22318 LEXINGTON, KY 40522 | EYEMED VISION CARE | $43 | — | $43 | 15.75% |
| FLEXVISION - MD3 | 15400 CALHOUN DR. ROCKVILLE, MD 20855 | EYEMED VISION CARE | $14 | — | $14 | 5.13% |
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 | 6,732 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 85 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,817 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 371 | $2.3M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 13,792 | $4.2M |
| Vision(4 contracts) | EYEMED VISION CARE | 7,435 | $982K |
| Life insurance(2 contracts) | MINNESOTA LIFE INSURANCE COMPANY | 7,230 | $1.4M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 6,732 | $917K |
| Other(5 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 6,732 | $748K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 13,792 | — |
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.