| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIA TOWERS WATSON US LLC | — | METROPOLITAN LIFE INSURANCE COMPANY | — | $100K | $100K | 1.52% |
| MARK BAKER3 | 54 DANBURY ROAD #340 RIDGEFIELD, CT 06877 | STANDARD INSURANCE CO. | $156K | — | $156K | 12.36% |
| JOHN V NAJARIAN3 | 3917 WOODLAKE DRIVE BONITA SPRINGS, FL 34134 | STANDARD INSURANCE CO. | $37K | — | $37K | 2.96% |
| THE BAKER BENEFIT GROUP3 | 54 DANBURY RD #340 RIDGEFIELD, CT 06877 | STANDARD INSURANCE CO. | $19K | — | $19K | 1.50% |
| ANNE GOODMAN MITCHELL3 | 4 MILK ST FLR 2 PORTLAND, ME 04101 | STANDARD INSURANCE CO. | $10K | — | $10K | 0.78% |
| GENERAL AGENT CENTER INC3 | 3 EARLES WAY SCARBOROUGH, ME 04074 | STANDARD INSURANCE CO. | $697 | — | $697 | 0.06% |
| THE BAKER BENEFIT GROUP3 | 54 DANBURY RD #340 RIDGEFIELD, CT 06877 | JOHN HANCOCK LIFE INSURANCE CO. | $121K | — | $121K | 9.63% |
| THE BAKER BENEFIT GROUP3 Filed as: BAKER BENEFIT GROUP | 54 DANBURY RD #340 RIDGEFIELD, CT 06877 | GENWORTH LIFE INSURANCE COMPANY | $123K | — | $123K | 14.94% |
| THE BAKER BENEFIT GROUP3 Filed as: BAKER BENEFIT GROUP, LLC | 54 DANBURY ROAD #340 RIDGEFIELD, CT 06877 | GENWORTH LIFE INSURANCE COMPANY | $8K | — | $8K | 15.26% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADM | Contract Administrator Service code 13 | — | $3.7M |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 N/A | Claims processing; Contract Administrator Service code 12 | — | $324K |
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 | 17,908 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 154 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 18,062 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE CO | 3 | $71K |
| Vision(2 contracts, 2 carriers) | DAVIS VISION PLAN | 7,086 | $1.4M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 24,246 | $6.6M |
| Long-term disability | STANDARD INSURANCE CO. | 1,431 | $1.3M |
| Other(4 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 24,246 | $8.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 24,246 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.