| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER AGENCY INC | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | SUN LIFE ASSURANCE COMPANY OF CANADA | $25K | — | $25K | 2.49% |
| C2 CENTRIC LLC3 | PO BOX 6824 GRAND RAPIDS, MI 49516 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | — | $8K | 0.83% |
| UMR, INC.3 Filed as: UMR INC | 11 SCOT ST STE 100 WAUSAU, WI 54403 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $6K | $6K | 0.65% |
| HAVENS & COMPANY INC3 | 1821 BROWNING TRACE LEXINGTON, NY 40509 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $14K | — | $14K | 2.85% |
| HAVENS & COMPANY INC3 | 1821 BROWNING TRACE LEXINGTON, NY 40509 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | — | $9K | 2.69% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | EYEMED VISION CARE | $5K | — | $5K | 4.20% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | EYEMED VISION CARE | $3K | — | $3K | 2.39% |
| HAVENS & COMPANY INC3 | 1821 BROWNING TRACE LEXINGTON, NY 40509 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 2.87% |
| HAVENS & COMPANY INC3 | 1821 BROWNING TRACE LEXINGTON, NY 40509 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 8.60% |
| HAVENS & COMPANY INC3 | 1821 BROWNING TRACE LEXINGTON, NY 40509 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $839 | — | $839 | 2.53% |
| HAVENS & COMPANY INC3 | 1821 BROWNING TRACE LEXINGTON, NY 40509 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $668 | — | $668 | 2.76% |
| HAVENS & COMPANY INC3 | 586 BAY VILLAS LANE NAPLES, FL 34108 | GERBER LIFE INSURANCE COMPANY | $908 | — | $908 | 15.01% |
| HAVENS & COMPANY INC3 | PO BOX 1505 MANCHESTER, MA 10944 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $41 | $22 | $63 | 7.65% |
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 | 1,676 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 30 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,706 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 3,254 | $1.1M |
| Vision | EYEMED VISION CARE | 2,814 | $125K |
| Short-term disability(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,676 | $112K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,676 | $338K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,416 | $989K |
| Other(4 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,676 | $576K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,254 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.