| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | — | $198K | $198K | 1.94% |
| MARK BAKER3 | 54 DANBURY ROAD #340 RIDGEFIELD, CT 06877 | STANDARD INSURANCE CO. | $147K | — | $147K | 11.08% |
| THE BAKER BENEFIT GROUP3 Filed as: THE BAKER BENEFIT GROUP LLC | 54 DANBURY ROAD #340 RIDGEFIELD, CT 06877 | STANDARD INSURANCE CO. | $65K | — | $65K | 4.93% |
| JOHN V NAJARIAN3 | 3917 WOODLAKE DR BONITA SPRINGS, FL 34134 | STANDARD INSURANCE CO. | $33K | — | $33K | 2.47% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INS BROKERAGE INC | PO BOX 736073 CHICAGO, IL 60673 | STANDARD INSURANCE CO. | $23K | — | $23K | 1.71% |
| ANNE GOODMAN MITCHELL3 | 165 LOWER FLYING POINT RD FREEPORT, ME 04032 | STANDARD INSURANCE CO. | $7K | — | $7K | 0.50% |
| GENERAL AGENT CENTER INC3 | 3 EARLES WAY SCARBOROUGH, ME 04074 | STANDARD INSURANCE CO. | $60 | — | $60 | 0.00% |
| THE BAKER BENEFIT GROUP3 | 54 DANBURY ROAD #340 RIDGEFIELD, CT 06877 | JOHN HANCOCK LIFE INSURANCE CO. | $119K | — | $119K | 9.72% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | 160 FEDERAL ST 4TH FLOOR BOSTON, MA 02110 | JOHN HANCOCK LIFE INSURANCE CO. | $18K | — | $18K | 1.49% |
| RSC INSURANCE BROKERAGE INC3 | PO BOX 736061 CHICAGO, IL 606736061 | GENWORTH LIFE INSURANCE COMPANY | $152K | — | $152K | 14.68% |
| RSC INSURANCE BROKERAGE INC3 | PO BOX 736061 CHICAGO, IL 606736061 | GENWORTH LIFE INSURANCE COMPANY | $20K | — | $20K | 14.81% |
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 | 21,422 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 131 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 372 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 21,925 | 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 | 3 | $130K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 12,920 | $1.9M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 37,445 | $10.2M |
| Long-term disability | STANDARD INSURANCE CO. | 1,258 | $1.3M |
| Other(4 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 37,445 | $12.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 37,445 | — |
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.