| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UMR, INC.3 Filed as: UMR INC | 11 SCOTT ST STE 100 WAUSAU, WI 54403 | RELIASTAR LIFE INSURANCE COMPANY | — | $34K | $34K | 3.00% |
| AEGIS RISK LLC3 | 218 N LEE ST STE 306 ALEXANDRIA, VA 22314 | RELIASTAR LIFE INSURANCE COMPANY | $22K | — | $22K | 2.00% |
| HAVENS & COMPANY INC3 | 1821 BROWNING TRACE LEXINGTON, NY 40509 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $37K | — | $37K | 7.01% |
| HAVENS & COMPANY INC3 | 1821 BROWNING TRACE LEXINGTON, NY 40509 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $27K | — | $27K | 7.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | EYEMED VISION CARE | $2K | — | $2K | 1.26% |
| HAVENS & COMPANY INC3 | 1821 BROWNING TRACE LEXINGTON, NY 40509 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 7.09% |
| HAVENS & COMPANY INC3 | 1821 BROWNING TRACE LEXINGTON, NY 40509 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | — | $12K | 20.93% |
| HAVENS & COMPANY INC3 | 1821 BROWNING TRACE LEXINGTON, NY 40509 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 7.42% |
| HAVENS & COMPANY INC3 | 1821 BROWNING TRACE LEXINGTON, NY 40509 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 7.01% |
| HAVENS & COMPANY INC3 | 586 BAY VILLAS LANE NAPLES, FL 34108 | GERBER LIFE INSURANCE COMPANY | $846 | — | $846 | 15.00% |
| MARSH & MCLENNAN AGENCY LLC Filed as: MCGOHAN BRABENDER | ATTN DIANE WELSH DAYTON, OH 45439 | EYEMED VISION CARE | $25 | — | $25 | 1.26% |
| HAVENS & COMPANY INC3 | PO BOX 1505 MANCHESTER, MA 10944 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $68 | — | $68 | 5.03% |
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 | 1,733 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,751 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 3,385 | $1.2M |
| Vision(2 contracts) | EYEMED VISION CARE | 2,977 | $188K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,733 | $528K |
| Short-term disability(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,621 | $115K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,733 | $388K |
| Stop-loss / reinsurancereinsurance(2 contracts) | RELIASTAR LIFE INSURANCE COMPANY | 1,510 | $2.2M |
| Other(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,733 | $89K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,385 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.