| 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 | $36K | — | $36K | 3.47% |
| 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 | $4K | — | $4K | 3.24% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | C/O BANK OF AMERICA BOSTON, MA 02241 | AETNA LIFE INSURANCE COMPANY | — | $2K | $2K | 3.88% |
| 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 | $3K | — | $3K | 5.89% |
| 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 | $6K | — | $6K | 11.08% |
| BENEFITSTORE INC3 Filed as: BENEFITSTORE LLC | 100 BENEFIT FOCUS WAY CHARLESTON, SC 29492 | CONTINENTAL AMERICAN INSURANCE COMPANY | $459 | — | $459 | 0.83% |
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 | 1,034 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,041 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 160 | $1.1M |
| Dental | DELTA DENTAL OF NEW YORK | 1,934 | $951K |
| Vision | AETNA LIFE INSURANCE COMPANY | 1,584 | $59K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,034 | $425K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 91 | $72K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 948 | $167K |
| Other(4 contracts, 3 carriers) | JOHN HANCOCK | 137 | $802K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,934 | — |
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.