| 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 | $120K | $98K | $218K | 4.48% |
| HAVENS & COMPANY INC3 Filed as: HAVENS & CO INC | PO BOX 1505 MANCHESTER, MA 019440860 | METROPOLITAN LIFE INSURANCE COMPANY | $100K | $30K | $130K | 8.49% |
| HAVENS & COMPANY INC3 Filed as: HAVENS & COMPANY | PO BOX 1505 MANCHESTER, MA 01944 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $40K | $9K | $49K | 4.81% |
| HAVENS & COMPANY INC3 Filed as: HAVENS & CO INC | PO BOX 1505 MANCHESTER, MA 019440860 | METROPOLITAN LIFE INSURANCE COMPANY | $149K | $10K | $159K | 22.71% |
| HAVENS & COMPANY INC3 Filed as: HAVENS & COMPANY, INC. | P.O. BOX 22318 LEXINGTON, KY 40522 | EYEMED VISION CARE | $46K | — | $46K | 7.42% |
| FLEXVISION - MD3 | 15400 CALHOUN DR. ROCKVILLE, MD 20855 | EYEMED VISION CARE | $15K | $15K | $31K | 4.95% |
| HAVENS & COMPANY INC3 Filed as: HAVENS & COMPANY, INC. | P.O. BOX 22318 LEXINGTON, KY 40522 | EYEMED VISION CARE | $25K | — | $25K | 5.28% |
| FLEXVISION - MD3 | 15400 CALHOUN DR. ROCKVILLE, MD 20855 | EYEMED VISION CARE | $0 | $8K | $8K | 1.76% |
| HAVENS & COMPANY INC3 Filed as: HAVENS & CO INC | PO BOX 1505 MANCHESTER, MA 019440860 | METROPOLITAN LIFE INSURANCE COMPANY | $60K | $4K | $64K | 20.61% |
| HAVENS & COMPANY INC3 Filed as: HAVENS & COMPANY | P.O. BOX 1505 MANCHESTER, MA 01944 | METLIFE LEGAL PLANS | $18K | $4K | $22K | 11.51% |
| HAVENS & COMPANY INC3 Filed as: HAVENS & COMPANY, INC. | P.O. BOX 22318 LEXINGTON, KY 40522 | EYEMED VISION CARE | $168 | — | $168 | 4.03% |
| FLEXVISION - MD3 | 15400 CALHOUN DR. ROCKVILLE, MD 20855 | EYEMED VISION CARE | $56 | $56 | $112 | 2.69% |
| HAVENS & COMPANY INC3 Filed as: HAVENS & COMPANY, INC. | 586 BAY VILLAS LANE NAPLES, FL 34108 | GERBER LIFE INSURANCE COMPANY | $544 | — | $544 | 15.00% |
| HAVENS & COMPANY INC3 Filed as: HAVENS & COMPANY, INC. | P.O. BOX 22318 LEXINGTON, KY 40522 | EYEMED VISION CARE | $74 | — | $74 | — |
| FLEXVISION - MD3 | 15400 CALHOUN DR. ROCKVILLE, MD 20855 | EYEMED VISION CARE | $0 | $25 | $25 | — |
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 | 7,080 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 22 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,102 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 4,360 | $3.7M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 12,636 | $4.9M |
| Vision(4 contracts) | EYEMED VISION CARE | 5,578 | $1.1M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 10,365 | $1.5M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 6,463 | $1.0M |
| Other(4 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 10,365 | $2.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 12,636 | — |
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.