| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARK BAKER3 | 54 DANBURY ROAD #340 RIDGEFIELD, CT 06877 | STANDARD INSURANCE CO. | $157K | — | $157K | 12.75% |
| THE BAKER BENEFIT GROUP3 Filed as: THE BAKER BENEFIT GROUP LLC | 54 DANBURY ROAD #340 RIDGEFIELD, CT 06877 | STANDARD INSURANCE CO. | $58K | — | $58K | 4.69% |
| JOHN V NAJARIAN3 | 3917 WOODLAKE DR BONITA SPRINGS, FL 34134 | STANDARD INSURANCE CO. | $26K | — | $26K | 2.07% |
| ANNE GOODMAN MITCHELL3 | 165 LOWER FLYING POINT RD FREEPORT, ME 04032 | STANDARD INSURANCE CO. | $6K | — | $6K | 0.50% |
| GENERAL AGENT CENTER INC3 | 3 EARLES WAY SCARBOROUGH, ME 04074 | STANDARD INSURANCE CO. | $608 | — | $608 | 0.05% |
| THE BAKER BENEFIT GROUP3 | 54 DANBURY ROAD #340 RIDGEFIELD, CT 06877 | JOHN HANCOCK LIFE INSURANCE CO. | $127K | — | $127K | 10.87% |
| THE BAKER BENEFIT GROUP3 Filed as: BAKER BENEFIT GROUP, LLC | 54 DANBURY ROAD #340 RIDGEFIELD, CT 06877 | GENWORTH LIFE INSURANCE COMPANY | $140K | — | $140K | 14.80% |
| THE BAKER BENEFIT GROUP3 Filed as: BAKER BENEFIT GROUP, LLC | 54 DANBURY ROAD #340 RIDGEFIELD, CT 06877 | GENWORTH LIFE INSURANCE COMPANY | $13K | — | $13K | 14.19% |
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 | 19,427 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 138 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 285 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 19,850 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 6 | $169K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 13,492 | $1.7M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 35,746 | $7.2M |
| Long-term disability | STANDARD INSURANCE CO. | 1,317 | $1.2M |
| Other(4 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 35,746 | $9.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 35,746 | — |
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.