| 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 | $141K | $47K | $187K | 3.89% |
| HAVENS & COMPANY INC3 Filed as: HAVENS & CO INC | PO BOX 1505 MANCHESTER, MA 019440860 | METROPOLITAN LIFE INSURANCE COMPANY | $99K | $15K | $114K | 7.76% |
| HAVENS & COMPANY INC3 Filed as: HAVENS & COMPANY INC. | PO BOX 1505 MANCHESTER, MA 019441505 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $41K | $6K | $47K | 5.78% |
| HAVENS & COMPANY INC3 | 586 BAY VILLAS LANE NAPLES, FL 34108 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $5K | $5K | 0.65% |
| HAVENS & COMPANY INC3 Filed as: HAVENS & COMPANY, INC. | P.O. BOX 22318 LEXINGTON, KY 40522 | EYEMED VISION CARE | $44K | — | $44K | 6.13% |
| FLEXVISION - MD3 | 15400 CALHOUN DR. ROCKVILLE, MD 20855 | EYEMED VISION CARE | $15K | — | $15K | 2.04% |
| HAVENS & COMPANY INC3 Filed as: HAVENS & CO INC | PO BOX 1505 MANCHESTER, MA 019440860 | METROPOLITAN LIFE INSURANCE COMPANY | $148K | $6K | $154K | 22.46% |
| HAVENS & COMPANY INC3 Filed as: HAVENS & COMPANY, INC. | P.O. BOX 22318 LEXINGTON, KY 40522 | EYEMED VISION CARE | $39K | — | $39K | 7.00% |
| FLEXVISION - MD3 | 15400 CALHOUN DR. ROCKVILLE, MD 20855 | EYEMED VISION CARE | $0 | $13K | $13K | 2.33% |
| HAVENS & COMPANY INC3 | 586 BAY VILLAS LANE NAPLES, FL 34108 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $2K | $2K | 0.65% |
| HAVENS & COMPANY INC3 Filed as: HAVENS & CO INC | PO BOX 1505 MANCHESTER, MA 019440860 | METROPOLITAN LIFE INSURANCE COMPANY | $47K | $2K | $49K | 15.50% |
| HAVENS & COMPANY INC3 Filed as: HAVENS & COMPANY | P.O. BOX 1505 MANCHESTER, MA 01944 | METLIFE LEGAL PLANS | $17K | $1K | $18K | 10.80% |
| HAVENS & COMPANY INC3 Filed as: HAVENS & CO INC | PO BOX 1505 MANCHESTER, MA 019440860 | METROPOLITAN LIFE INSURANCE COMPANY | $714 | $35K | $36K | 492.04% |
| HAVENS & COMPANY INC3 Filed as: HAVENS & COMPANY, INC. | P.O. BOX 22318 LEXINGTON, KY 40522 | EYEMED VISION CARE | $441 | — | $441 | 7.98% |
| FLEXVISION - MD3 | 15400 CALHOUN DR. ROCKVILLE, MD 20855 | EYEMED VISION CARE | $0 | $147 | $147 | 2.66% |
| HAVENS & COMPANY INC3 Filed as: HAVENS & COMPANY, INC. | 586 BAY VILLAS LANE NAPLES, FL 34108 | GERBER LIFE & ACCIDENT INSURANCE COMPANY | $545 | — | $545 | 14.98% |
| HAVENS & COMPANY INC3 Filed as: HAVENS & COMPANY, INC. | P.O. BOX 22318 LEXINGTON, KY 40522 | EYEMED VISION CARE | $125 | — | $125 | 3.51% |
| FLEXVISION - MD3 | 15400 CALHOUN DR. ROCKVILLE, MD 20855 | EYEMED VISION CARE | $42 | — | $42 | 1.18% |
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 | 7,096 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 30 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,126 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 2,699 | $3.3M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 12,495 | $4.8M |
| Vision(4 contracts) | EYEMED VISION CARE | 6,313 | $1.3M |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 10,388 | $1.5M |
| Short-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 8,640 | $324K |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 6,930 | $811K |
| Other(5 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 10,388 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 12,495 | — |
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.