| 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 | $80K | — | $80K | 1.77% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | METROPOLITAN LIFE INSURANCE COMPANY | $36K | $20K | $56K | 1.24% |
| HAVENS & COMPANY INC3 Filed as: HAVENS & CO INC | PO BOX 1505 MANCHESTER, MA 019440860 | METROPOLITAN LIFE INSURANCE COMPANY | $38K | — | $38K | 2.53% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $1K | $11K | 0.73% |
| HAVENS & COMPANY INC3 Filed as: HAVENS & COMPANY | PO BOX 1505 MANCHESTER, MA 01944 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $26K | $15K | $41K | 2.86% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON US | PO BOX 28852 NEW YORK, NY 10087 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $40K | — | $40K | 2.79% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON US | 200 LIBERTY ST FL6 NEW YORK, NY 10281 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $7K | $7K | 0.47% |
| HAVENS & COMPANY INC3 Filed as: HAVENS & COMPANY, INC. | P.O. BOX 22318 LEXINGTON, KY 40522 | EYEMED VISION CARE | $43K | — | $43K | 3.85% |
| HAVENS & COMPANY INC3 Filed as: HAVENS & CO INC | PO BOX 1505 MANCHESTER, MA 019440860 | METROPOLITAN LIFE INSURANCE COMPANY | $122K | — | $122K | 17.02% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | METROPOLITAN LIFE INSURANCE COMPANY | $34K | $2K | $36K | 4.98% |
| HAVENS & COMPANY INC3 Filed as: HAVENS & COMPANY, INC. | P.O. BOX 22318 LEXINGTON, KY 40522 | EYEMED VISION CARE | $24K | — | $24K | 3.71% |
| HAVENS & COMPANY INC3 Filed as: HAVENS & CO INC | PO BOX 1505 MANCHESTER, MA 019440860 | METROPOLITAN LIFE INSURANCE COMPANY | $55K | — | $55K | 18.71% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | METROPOLITAN LIFE INSURANCE COMPANY | $27K | $2K | $29K | 9.80% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 P.O. BOX 28852 NEW YORK, NY 10087 | METLIFE LEGAL PLANS | $11K | $866 | $12K | 6.40% |
| HAVENS & COMPANY INC3 Filed as: HAVENS & COMPANY | P.O. BOX 1505 MANCHESTER, MA 01944 | METLIFE LEGAL PLANS | $8K | — | $8K | 4.25% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WATSON WYATT & COMPANY | 901 N. GLEBE ROAD ARLINGTON, VA 22203 | METLIFE LEGAL PLANS | $0 | $199 | $199 | 0.11% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | 1717 H STREET NW WASHINGTON, DC 20006 | METLIFE LEGAL PLANS | $0 | $63 | $63 | 0.03% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $437 | $6K | 8.90% |
| HAVENS & COMPANY INC3 Filed as: HAVENS & COMPANY, INC. | P.O. BOX 22318 LEXINGTON, KY 40522 | EYEMED VISION CARE | $143 | — | $143 | 5.44% |
| HAVENS & COMPANY INC3 Filed as: HAVENS & CO INC | PO BOX 1505 MANCHESTER, MA 019440860 | METROPOLITAN LIFE INSURANCE COMPANY | $333 | — | $333 | 14.06% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | METROPOLITAN LIFE INSURANCE COMPANY | $222 | $77 | $299 | 12.63% |
| HAVENS & COMPANY INC3 Filed as: HAVENS & COMPANY, INC. | P.O. BOX 22318 LEXINGTON, KY 40522 | EYEMED VISION CARE | $104 | — | $104 | 4.76% |
| WILLIS TOWERS WATSON US LLC4 | PO BOX 28852 NEW YORK, NY 10087 | METROPOLITAN LIFE INSURANCE COMPANY | $16 | $64 | $80 | 33.33% |
| HAVENS & COMPANY INC3 Filed as: HAVENS & CO INC | PO BOX 1505 MANCHESTER, MA 01944 | METROPOLITAN LIFE INSURANCE COMPANY | $76 | — | $76 | 31.67% |
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 | 8,370 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 8,382 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 3,776 | $1.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 13,329 | $4.5M |
| Vision(4 contracts) | EYEMED VISION CARE | 5,992 | $1.8M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 10,571 | $1.5M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 7,507 | $1.4M |
| Other(4 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 10,571 | $2.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 13,329 | — |
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.