| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | CIGNA | $50K | — | $50K | 4.98% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | EYEMED | $9K | — | $9K | 6.45% |
| HAVEN BENEFITS3 Filed as: HAVEN & CO. | PO BOX 1505 MANCHESTER, MA 01944 | HARTFORD LIFE AND ACCIDENT | $8K | — | $8K | 15.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN | CURTIS CENTER PHILADELPHIA, PA 19106 | LINCOLN NATIONAL | $2K | — | $2K | 11.37% |
| HAVENS & COMPANY INC3 Filed as: HAVENS & COMPANY | POST OFFICE BOX 1505 MANCHESTER, MA 01994 | LINCOLN NATIONAL | $453 | — | $453 | 3.09% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN | CURTIS CENTER PHILADELPHIA, PA 19106 | LINCOLN NATIONAL | $1K | — | $1K | 8.30% |
| HAVEN BENEFITS3 Filed as: HAVEN & COMPANY | POST OFFICE BOX 1505 MANCHESTER, MA 01944 | LINCOLN NATIONAL | $252 | — | $252 | 1.94% |
| LANG FINANCIAL GROUP, INC.3 Filed as: LANG FINANCIAL | 4225 MALSBURY ROAD CINCINNATI, OH 45242 | LINCOLN NATIONAL | $618 | — | $618 | 11.75% |
| HAVEN BENEFITS3 Filed as: HAVEN & GROUP | POST OFFICE BOX 1505 MASCHESTER, MA 01944 | LINCOLN NATIONAL | $170 | — | $170 | 3.23% |
| LANG FINANCIAL GROUP, INC.3 Filed as: LANG FINANCIAL | 4225 MALSBARY ROAD CINCINNATI, OH 45242 | LINCOLN NATIONAL | $447 | — | $447 | 10.35% |
| HAVEN BENEFITS3 Filed as: HAVEN & COMPANY | POST OFFICE BOX 1505 MANSCHESTER, AA 01944 | LINCOLN NATIONAL | $112 | — | $112 | 2.59% |
| LANG FINANCIAL GROUP, INC.3 Filed as: LANG FINANCIAL GROUP | 4225 MALSBARY ROAD CINCINNATI, OH 45242 | LINCOLN NATIONAL | $304 | — | $304 | 10.96% |
| HAVENS & COMPANY INC3 Filed as: HAVENS & COMPANY | POST OFFICE BOX 1505 MANCHESTER, MA 01944 | LINCOLN NATIONAL | $77 | — | $77 | 2.78% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN | CURTIS CENTER PHILADELPHIA, PA 19106 | LINCOLN NATIONAL | $307 | — | $307 | 13.42% |
| HAVENS & COMPANY INC3 Filed as: HAVENS AND COMPANY, INC. | 3 FRONT STREET, LOWER MILL, STE 321 ROLLINSFORD, NH 03869 | LINCOLN NATIONAL | $36 | — | $36 | 1.57% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA EIN 59-1031071 NONE | Named fiduciary; Contract Administrator; Direct payment from the plan; Claims processing; Non-monetary compensation; Other services; Float revenue; Participant communication Service code 12 | — | $985K |
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 | 1,660 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 24 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,684 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL | 3,190 | $1.1M |
| Vision | EYEMED | 2,849 | $143K |
| Life insurance(2 contracts) | LINCOLN NATIONAL | 56 | $16K |
| Short-term disability | LINCOLN NATIONAL | 28 | $4K |
| Long-term disability(2 contracts) | LINCOLN NATIONAL | 56 | $20K |
| Stop-loss / reinsurancereinsurance | CIGNA | 3,232 | $1.0M |
| Other(4 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,660 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,232 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.