| 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 | $113K | $2K | $115K | 2.52% |
| HAVENS & COMPANY INC3 | PO BOX 1505 MANCHESTER, MA 01944 | MINNESOTA LIFE INSURANCE COMPANY | $56K | $25K | $80K | 6.80% |
| HAVENS & COMPANY INC3 | P.O. BOX 1505 MANCHESTER, MA 01944 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $48K | — | $48K | 5.00% |
| HAVENS & COMPANY INC3 Filed as: HAVENS & COMPANY, INC. | P.O. BOX 22318 LEXINGTON, KY 40522 | EYEMED VISION CARE | $41K | — | $41K | 7.05% |
| FLEXVISION - MD3 | 15400 CALHOUN DR. ROCKVILLE, MD 20855 | EYEMED VISION CARE | $0 | $7K | $7K | 1.23% |
| HAVENS & COMPANY INC3 Filed as: HAVENS & CO INC | PO BOX 1505 MANCHESTER, MA 019440860 | METROPOLITAN LIFE INSURANCE COMPANY | $93K | $296 | $93K | 16.12% |
| HAVENS & COMPANY INC3 Filed as: HAVENS & COMPANY, INC. | P.O. BOX 22318 LEXINGTON, KY 40522 | EYEMED VISION CARE | $39K | — | $39K | 6.91% |
| FLEXVISION - MD3 | 15400 CALHOUN DR. ROCKVILLE, MD 20855 | EYEMED VISION CARE | $6K | — | $6K | 1.13% |
| HAVENS & COMPANY INC3 | PO BOX 1505 MANCHESTER, MA 01944 | MINNESOTA LIFE INSURANCE COMPANY | $40K | $6K | $46K | 17.24% |
| HAVENS & COMPANY INC3 Filed as: HAVENS & COMPANY | P.O. BOX 1505 MANCHESTER, MA 01944 | HYATT LEGAL PLANS | $16K | — | $16K | 11.89% |
| HAVENS & COMPANY INC3 Filed as: HAVENS & COMPANY, INC. | P.O. BOX 22318 LEXINGTON, KY 40522 | EYEMED VISION CARE | $833 | — | $833 | 6.48% |
| FLEXVISION - MD3 | 15400 CALHOUN DR. ROCKVILLE, MD 20855 | EYEMED VISION CARE | $0 | $156 | $156 | 1.21% |
| HAVENS & COMPANY INC3 Filed as: HAVENS & COMPANY, INC. | 586 BAY VILLAS LANE NAPLES, FL 34108 | GERBER LIFE & ACCIDENT INSURANCE COMPANY | $517 | — | $517 | 15.01% |
| HAVENS & COMPANY INC3 Filed as: HAVENS & COMPANY, INC. | P.O. BOX 22318 LEXINGTON, KY 40522 | EYEMED VISION CARE | $121 | — | $121 | 5.03% |
| FLEXVISION - MD3 | 15400 CALHOUN DR. ROCKVILLE, MD 20855 | EYEMED VISION CARE | $23 | — | $23 | 0.96% |
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 | 6,634 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 76 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,710 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 3,003 | $3.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 13,444 | $4.6M |
| Vision(4 contracts) | EYEMED VISION CARE | 6,595 | $1.2M |
| Life insurance(2 contracts) | MINNESOTA LIFE INSURANCE COMPANY | 7,095 | $1.4M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 6,634 | $963K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 6,634 | $718K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 13,444 | — |
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.