| 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 DRIVE STE 100 ROCHESTER, NY 14625 | UNITEDHEALTHCARE INSURANCE COMPANY | $24K | — | $24K | 2.78% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 1185 AVENUE OF THE AMERICAS STE 2010 NEW YORK, NY 10036 | UNITEDHEALTHCARE INSURANCE COMPANY | $12K | — | $12K | 1.37% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | PO BOX 123042 DALLAS, TX 75312 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $7K | $7K | 1.56% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON SPECIALTIES | 2100 ROSS AVE STE 1200 DALLAS, TX 75201 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 0.95% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | PO BOX 123042 DALLAS, TX 75312 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 1.46% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON SPECIALTIES | 2100 ROSS AVE STE 1200 DALLAS, TX 75201 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 0.98% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY INC | 800 PARKER HILL DRIVE STE 100 ROCHESTER, NY 14625 | GENWORTH LIFE INSURANCE COMPANY | $7K | — | $7K | 6.43% |
| LOCKTON COMPANIES, LLC3 Filed as: NORTHEAST SERIES OF LOCKTON | COMPANIES LLC C/O BANK OF AMERICA PO BOX 417484 BOSTON, MA 02241 | GENWORTH LIFE INSURANCE COMPANY | $5K | — | $5K | 4.47% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON AGENCY LLC | 1185 AVENUE OF THE AMERICAS STE 2010 NEW YORK, NY 10036 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8K | — | $8K | 10.75% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY INC | 800 PARKER HILL DRIVE STE 100 ROCHESTER, NY 14625 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 2.26% |
| BENEFITSTORE INC3 Filed as: BENEFITSTORE LLC | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | CONTINENTAL AMERICAN INSURANCE COMPANY | $728 | — | $728 | 0.96% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | PO BOX 123042 DALLAS, TX 75312 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $907 | $907 | 1.39% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON SPECIALTIES | 2100 ROSS AVE STE 1200 DALLAS, TX 75201 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $601 | $601 | 0.92% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY INC | 800 PARKER HILL DRIVE STE 100 ROCHESTER, NY 14625 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 3.40% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 1185 AVENUE OF THE AMERICAS STE 2010 NEW YORK, NY 10036 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 2.38% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | C/O BANK OF AMERICA BOSTON, MA 02241 | AETNA LIFE INSURANCE COMPANY | — | $1K | $1K | 2.02% |
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 | 1,027 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 24 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,054 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 177 | $919K |
| Dental | DELTA DENTAL OF NEW YORK | 1,859 | $891K |
| Vision | AETNA LIFE INSURANCE COMPANY | 1,527 | $56K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,027 | $418K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 90 | $65K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 935 | $160K |
| Other(4 contracts, 3 carriers) | JOHN HANCOCK | 251 | $831K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,859 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.