| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY INC | 800 PARKER HILL RD STE 100 ROCHESTER, NY 14625 | HARVARD PILGRIM HEALTH CARE OF NE, INC. | $79K | — | $79K | 2.54% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY INC | 800 PARKER HILL RD STE 100 ROCHESTER, NY 14625 | HPHC INSURANCE COMPANY | $11K | — | $11K | 2.63% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY INC | 800 PARKER HILL RD STE 100 ROCHESTER, NY 14625 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $2K | $10K | 13.27% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 777 S FIGUEROA ST STE 5200 LOS ANGELES, CA 90017 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 2.80% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY INC | 800 PARKER HILL RD STE 100 ROCHESTER, NY 14625 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $2K | $8K | 13.31% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 2.84% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY INC | 800 PARKER HILL RD STE 100 ROCHESTER, NY 14625 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $2K | $8K | 18.83% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 3.28% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY INC | 800 PARKER HILL RD STE 100 ROCHESTER, NY 14625 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $993 | $6K | 18.27% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $851 | $851 | 2.80% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY INC | 800 PARKER HILL RD STE 100 ROCHESTER, NY 14625 | EYEMED VISION CARE | $2K | — | $2K | 9.10% |
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 | 265 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 265 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HARVARD PILGRIM HEALTH CARE OF NE, INC. | 318 | $3.5M |
| Vision | EYEMED VISION CARE | 307 | $20K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 265 | $100K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 265 | $76K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 265 | $30K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 265 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 318 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.