| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN V NAJARIAN3 | 3917 WOODLAKE DRIVE BONITA SPRINGS, FL 34134 | STANDARD INSURANCE COMPANY | $13K | — | $13K | 3.52% |
| MARK BAKER3 | 54 DANBURY ROAD #340 RIDGEFIELD, CT 06877 | STANDARD INSURANCE COMPANY | $10K | — | $10K | 2.64% |
| THE BAKER BENEFIT GROUP3 | 170 US ROUTE 1 STE 150 FALMOUTH, ME 04105 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 1.47% |
| GENERAL AGENT CENTER INC3 | 3 EARLES WAY SCARBOROUGH, ME 04074 | STANDARD INSURANCE COMPANY | $195 | — | $195 | 0.05% |
| JOHN V NAJARIAN3 | 3917 WOODLAKE DRIVE BONITA SPRINGS, MA 34134 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 3.45% |
| ANNE GOODMAN MITCHELL3 | 4 MILK STREET FLOOR 2 PORTLAND, ME 04101 | STANDARD INSURANCE COMPANY | $205 | — | $205 | 0.48% |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 796 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 796 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Long-term disability(2 contracts) | STANDARD INSURANCE COMPANY | 628 | $416K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 628 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.