| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AEGIS RISK LLC3 | 218 NORTH LEE ST, SUITE 306 ALEXANDRIA, VA 22314 | GRANULAR INSURANCE COMPANY | $42K | — | $42K | 2.00% |
| TERENCE HAVENS3 | 586 BAY VILLAS LANE NAPLES, FL 34108 | DELTA DENTAL OF KENTUCKY | $61K | — | $61K | 3.50% |
| HAVENS & COMPANY INC3 Filed as: HAVENS & CO INC | PO BOX 1505 MANCHESTER, MA 01944 | METROPOLITAN LIFE INSURANCE COMPANY | — | $14K | $14K | 1.46% |
| HAVENS & COMPANY INC3 Filed as: HAVENS & CO INC | PO BOX 1505 MANCHESTER, MA 01944 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | — | $9K | 1.21% |
| HAVENS & COMPANY INC3 | PO BOX 22318 LEXINGTON, KY 40522 | EYEMED VISION CARE | $16K | — | $16K | 7.06% |
| HAVENS & COMPANY INC3 | 586 BAY VILLAS LANE NAPLES, FL 34108 | ZURICH AMERICAN INSURANCE COMPANY | $936 | — | $936 | 15.00% |
| HAVENS & COMPANY INC3 | PO BOX 22318 LEXINGTON, KY 40522 | EYEMED VISION CARE | $173 | — | $173 | 7.09% |
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 | 3,125 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 22 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 3,147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 5,230 | $1.7M |
| Vision(2 contracts) | EYEMED VISION CARE | 4,581 | $231K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 4,826 | $931K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 3,126 | $763K |
| Prescription drug | RXBENEFITS, INC | 2,424 | $0 |
| Stop-loss / reinsurancereinsurance | GRANULAR INSURANCE COMPANY | 2,390 | $2.1M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 4,826 | $937K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,230 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.