| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G. RELPH AGENCY | 221133 FABCO ROAD WATERTOWN, NY 13601 | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | $15K | — | $15K | 3.45% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G. RELPH AGENCY INC. | 400 WILLOWBROOK OFFICE PARK SUITE 400 FAIRPORT, NY 14450 | SUN LIFE AND HEALTH INSURANCE COMPANY | $8K | — | $8K | 8.25% |
| ROBERT G. RELPH AGENCY, INC.3 | 400 WILLOWBROOK OFFICE PARK SUITE 400 FAIRPORT, NY 14450 | SUN LIFE AND HEALTH INSURANCE COMPANY | $3K | — | $3K | 4.32% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G. RELPH AGENCY | 400 WILLOWBROOK OFFICE PARK SUITE 400 FAIRPORT, NY 14450 | GUARDIAN LIFE INSURANCE COMPANY | $2K | — | $2K | 8.67% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G. RELPH AGENCY INC. | 74 BROWNS RACE STE 200 ROCHESTER, NY 14614 | HARTFORD LIFE INSURANCE O. | $113 | — | $113 | 15.07% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G. RELPH AGENCY INC. | 22113 FABCO ROAD WATERTOWN, NY 13601 | HARTFORD LIFE INSURANCE O. | — | $4 | $4 | 0.53% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GUARDIAN LIFE INSURANCE COMPANY EIN 13-5123390 CLAIMS PROCESSING | Claims processing Service code 12 | — | $15K |
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 | 244 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 244 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | 70 | $438K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY | 191 | $21K |
| Life insurance | SUN LIFE AND HEALTH INSURANCE COMPANY | 244 | $98K |
| Short-term disability(2 contracts) | SUN LIFE AND HEALTH INSURANCE COMPANY | 247 | $171K |
| Long-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY | 244 | $98K |
| Prescription drug | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | 70 | $438K |
| Other | HARTFORD LIFE INSURANCE O. | 242 | $750 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 247 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.