| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARK BAKER3 | 54 DANBURY ROAD #340 RIDGEFIELD, CT 06877 | STANDARD INSURANCE CO. | $156K | — | $156K | 12.27% |
| JOHN V NAJARIAN3 | 3917 WOODLAKE DRIVE BONITA SPRINGS, FL 34134 | STANDARD INSURANCE CO. | $28K | $27K | $56K | 4.38% |
| THE BAKER BENEFIT GROUP3 | 54 DANBURY RD #340 RIDGEFIELD, CT 06877 | STANDARD INSURANCE CO. | $35K | — | $35K | 2.75% |
| ANNE GOODMAN MITCHELL3 | 4 MILK ST FLR 2 PORTLAND, ME 04101 | STANDARD INSURANCE CO. | $7K | — | $7K | 0.56% |
| GENERAL AGENT CENTER INC3 | 3 EARLES WAY SCARBOROUGH, ME 04074 | STANDARD INSURANCE CO. | $654 | — | $654 | 0.05% |
| THE BAKER BENEFIT GROUP3 | 54 DANBURY RD #340 RIDGEFIELD, CT 06877 | JOHN HANCOCK LIFE INSURANCE CO. | $134K | — | $134K | 11.60% |
| THE BAKER BENEFIT GROUP3 Filed as: BAKER BENEFIT GROUP | 54 DANBURY RD #340 RIDGEFIELD, CT 06877 | GENWORTH LIFE INSURANCE COMPANY | $123K | — | $123K | 15.06% |
| THE BAKER BENEFIT GROUP3 Filed as: BAKER BENEFIT GROUP, LLC | 54 DANBURY ROAD #340 RIDGEFIELD, CT 06877 | GENWORTH LIFE INSURANCE COMPANY | $7K | — | $7K | 14.72% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADM | Contract Administrator Service code 13 | — | $4.1M |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 N/A | Claims processing; Contract Administrator Service code 12 | — | $293K |
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 | 17,997 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 94 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 18,091 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE CO | 5 | $120K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 7,081 | $1.4M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 33,835 | $8.2M |
| Long-term disability | STANDARD INSURANCE CO. | 1,362 | $1.3M |
| Other(4 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 33,835 | $10.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 33,835 | — |
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."
No prospect flags tripped on this filing.