| 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 SUITE 100 ROCHESTER, NY 14625 | EXCELLUS BLUECROSS BLUESHIELD | $65K | — | $65K | 3.81% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY, INC. | 800 PARKER HILL DRIVE SUITE 100 ROCHESTER, NY 14625 | EXCELLUS BLUECROSS BLUESHIELD | $6K | — | $6K | 7.79% |
| ROBERT G. RELPH AGENCY, INC.3 | 800 PARKER HILL DRIVE SUITE 100 ROCHESTER, NY 14625 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $4K | $2K | $5K | 8.59% |
| NICHOLAS CALARCO3 | 162 YORK STREET AUBURN, NY 13021 | AFLAC | $376 | $84 | $460 | 2.16% |
| DEBRA PARKER3 Filed as: DEBRA M PARKER | 20 BOWEN STREET AUBURN, NY 13021 | AFLAC | $443 | — | $443 | 2.08% |
| JOSEPH P CALARCO3 | PO BOX 130 AUBURN, NY 13021 | AFLAC | $297 | $14 | $311 | 1.46% |
| SUZANNE GOULD3 | 2741 SAND BEACH RD AUBURN, NY 13021 | AFLAC | $228 | — | $228 | 1.07% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY, INC | 800 PARKER HILL DRIVE SUITE 100 ROCHESTER, NY 14625 | AFLAC | $111 | — | $111 | 0.52% |
| JOHN B INFERRERA3 | 174 GARNSEY ROAD PITTSFORD, NY 14534 | AFLAC | $80 | — | $80 | 0.38% |
| FALCONE ASSOCIATES3 Filed as: FALCONE ASSOCIATES, INC | 901 LODI STREET SYRACUSE, NY 13203 | AFLAC | $50 | — | $50 | 0.23% |
| JEFF DALABA3 | 8500 GILLY FLOWER CT BALDWINSVILLE, NY 13027 | AFLAC | $50 | — | $50 | 0.23% |
| TERESA STRONG3 | PO BOX 52 MACEDON, NY 14502 | AFLAC | $50 | — | $50 | 0.23% |
| KIM ANNE FLOOD3 | 62 LAWRENCE AVENUE SMITHTOWN, NY 11787 | AFLAC | $45 | — | $45 | 0.21% |
| CHARLES L GRAY3 | 105 DAVENTRY LANE SUITE 100 LOUISVILLE, KY 40223 | AFLAC | $41 | — | $41 | 0.19% |
| SHAUN T KONIOR3 | 31 STRATFORD GREEN FARMINGDALE, NY 11735 | AFLAC | $27 | — | $27 | 0.13% |
| BRAD JONES AND ASSOCIATES INC3 Filed as: BRAD JONES AND ASSOCIATES, INC | 19 BRITISH AMERICAN BOULEVARD LATHAM, NY 12110 | AFLAC | $27 | — | $27 | 0.13% |
| PATRICK RUHLE3 | 200 GARDEN CITY PLAZA SUITE 410 GARDEN CITY, NY 11530 | AFLAC | $27 | — | $27 | 0.13% |
| KARL L FONDA3 | 311 BROOKSBORO DRIVE WEBSTER, NY 14580 | AFLAC | $20 | — | $20 | 0.09% |
| MARK V AIOSSA III3 | 933 STRATFORD DRIVE EAST MEADOW, NY 11554 | AFLAC | $16 | — | $16 | 0.08% |
| JOHN E GLASER3 | 85 ARLINGTON ROAD LAKE RONKONKOMA, NY 11779 | AFLAC | $16 | — | $16 | 0.08% |
| MICHELE L WILLIAMS3 | 12650 55TH ROAD NORTH WEST PALM BEACH, FL 33411 | AFLAC | $15 | — | $15 | 0.07% |
| KELLY A IRVINE3 | 15801 WHITE ORCHID LANE FORT MYERS, FL 33908 | AFLAC | $9 | — | $9 | 0.04% |
| KENNETH C MEIER CORP3 | 19 MARKWOOD ROAD GARDEN CITY, NY 11530 | AFLAC | $8 | — | $8 | 0.04% |
| STEVEN E DALABA3 | 7683 SEDGEWICK RIDGE ROAD LEWISVILLE, NC 27023 | AFLAC | $7 | — | $7 | 0.03% |
| JACQUES P DAVID CORPORATION3 | 35 PINELAWN ROAD SUITE 190 MELVILLE, NY 11747 | AFLAC | $7 | — | $7 | 0.03% |
| PAUL THOMAS GIANGRECO3 | 375 HARRIS HILL ROAD UNIT 232 WILLIAMSVILLE, NY 14221 | AFLAC | $4 | — | $4 | 0.02% |
| LAURA BOHANNON3 | 23 SOUTH MARVINE AVENUE AUBURN, NY 13021 | AFLAC | $4 | — | $4 | 0.02% |
| LAURIE L SMITH3 | 577 TRUESDALE HILL ROAD LAKE GEORGE, NY 12845 | AFLAC | $4 | — | $4 | 0.02% |
| KATHLEEN M MAXSON3 | 201 VAN OSTRAND ROAD GROTON, NY 13073 | AFLAC | $4 | — | $4 | 0.02% |
| DUCK & COVER NY INC3 Filed as: DUCK & COVER NY, INC | 17 DALAMAR COURT LATHAM, NY 12110 | AFLAC | $4 | — | $4 | 0.02% |
| RUSSELL T BARRETT3 | 27 JULIANS WAY SARATOGA SPRINGS, NY 12866 | AFLAC | $3 | — | $3 | 0.01% |
| KEVIN MURPHY3 | 11 WILLOWBROOK TERRACE CLIFTON PARK, NY 12065 | AFLAC | $2 | — | $2 | 0.01% |
| BENITO A ROTONDI II INC3 Filed as: BENITO A ROTONDI II, INC | 23 PINE RIDGE ROAD SARATOGA SPRINGS, NY 12866 | AFLAC | $2 | — | $2 | 0.01% |
| BRIAN WHITE3 | 6 COWDIN LANE CHAPPAQUA, NY 10514 | AFLAC | $2 | — | $2 | 0.01% |
| GREGORY D MAZUROWSKI3 | 156 DEER RIDGE GETZVILLE, NY 14068 | AFLAC | $1 | — | $1 | 0.00% |
| MICHAEL P FARLEY3 | 1412 SWEET HOME ROAD SUITE 2 AMHERST, NY 14228 | AFLAC | $1 | — | $1 | 0.00% |
| KENNETH J HANNAN3 | 5 FRIAR TUCK COURT CLIFTON PARK, NY 12065 | AFLAC | $1 | — | $1 | 0.00% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY, INC. | 800 PARKER HILL DRIVE SUITE 100 ROCHESTER, NY 14625 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $2K | $489 | $3K | 16.92% |
| ROBERT G. RELPH AGENCY, INC.3 | 800 PARKER HILL DRIVE SUITE 100 ROCHESTER, NY 14625 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $1K | $266 | $1K | 16.99% |
| ROBERT G. RELPH AGENCY, INC.3 | 800 PARKER HILL DRIVE SUITE 100 ROCHESTER, NY 14625 | SHELTERPOINT | $572 | — | $572 | 12.01% |
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 | 260 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 265 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUECROSS BLUESHIELD | 231 | $1.7M |
| Dental | EXCELLUS BLUECROSS BLUESHIELD | 242 | $83K |
| Vision | SHELTERPOINT | 9 | $5K |
| Life insurance | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 160 | $63K |
| Short-term disability | AFLAC | 39 | $21K |
| Long-term disability | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 160 | $15K |
| Prescription drug | EXCELLUS BLUECROSS BLUESHIELD | 231 | $1.7M |
| Other(3 contracts, 2 carriers) | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 251 | $92K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 251 | — |
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.