| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT G. RELPH AGENCY, INC.3 | 800 PARKER HILL DRIVE, SUITE 100 ROCHESTER, NY 14625 | MATTHEW THRONTON HEALTH PLAN, INC. | $57K | $0 | $57K | 1.95% |
| ROBERT G. RELPH AGENCY, INC.3 | 800 PARKER HILL DRIVE, SUITE 100 ROCHESTER, NY 14625 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $25K | $9K | $35K | 16.06% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK EAST DRIVE, SUITE 350 BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $6K | $6K | 2.87% |
| T2B SOLUTIONS INC.5 Filed as: T2B SOLUTIONS LLC | PO BOX 43 INDIANOLA, IA 50125 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $4K | $4K | 1.63% |
| ROBERT G. RELPH AGENCY, INC.3 | 400 WILLOWBROOK OFFICE PARK FAIRPORT, NY 14450 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10K | $0 | $10K | 18.80% |
| ROBERT CHARLES CELESTE3 Filed as: ROBERT CHARLES CELESTE, JR. | 61 MAURICE STREET MANCHESTER, NH 03103 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | — | $6K | 11.57% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 7.90% |
| TONYA L CELESTE3 Filed as: TONYA L. CELESTE | 61 MAURICE STREET MANCHESTER, NH 03103 | CONTINENTAL AMERICAN INSURANCE COMPANY | $694 | — | $694 | 1.36% |
| BENEDIKT N MASON3 Filed as: BENEDIKT NICHOLAS MASON | 17 LITTLE BEAR HILL ROAD WESTFORD, MA 01886 | CONTINENTAL AMERICAN INSURANCE COMPANY | $432 | — | $432 | 0.85% |
| ROBERT G. RELPH AGENCY, INC.3 | 800 PARKER HILL DRIVE, SUITE 100 ROCHESTER, NY 14625 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $2K | — | $2K | 10.93% |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MATTHEW THRONTON HEALTH PLAN, INC. | 307 | $2.9M |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 268 | $20K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 268 | $216K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 268 | $216K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 268 | $216K |
| Prescription drug | MATTHEW THRONTON HEALTH PLAN, INC. | 307 | $2.9M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 268 | $267K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 307 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.