| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AEGIS RISK LLC3 | 218 NORTH LEE ST, SUITE 306 ALEXANDRIA, VA 22314 | GRANULAR INSURANCE COMPANY | $31K | — | $31K | 2.00% |
| HAVENS & COMPANY INC3 | PO BOX 22318 LEXINGTON, KY 40522 | EYEMED VISION CARE | $6K | — | $6K | 2.74% |
| HAVENS & COMPANY INC3 | 586 BAY VILLAS LANE NAPLES, FL 34108 | ZURICH AMERICAN INSURANCE COMPANY | $879 | — | $879 | 14.99% |
| HAVENS & COMPANY INC3 | PO BOX 22318 LEXINGTON, KY 40522 | EYEMED VISION CARE | $102 | — | $102 | 3.87% |
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 | 3,074 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 42 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 3,116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 4,651 | $1.4M |
| Vision(2 contracts) | EYEMED VISION CARE | 4,062 | $230K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 4,212 | $782K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 2,389 | $587K |
| Stop-loss / reinsurancereinsurance | GRANULAR INSURANCE COMPANY | 2,083 | $1.6M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 4,212 | $788K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,651 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.