| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY INC. | 400 WILLOWBROOK OFFICE PARK SUITE 400 FAIRPORT, NY 14450 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | — | $12K | 0.87% |
| MICHAEL STEPNOWSKI3 | EMPLOYEE FAMILY PROTECTION 90 KREIGER LANE GLASTONBURY, CT 06033 | FIRST UNUM LIFE INSURANCE COMPANY | $21K | $28K | $49K | 3.66% |
| EMPLOYEE FAMILY PROTECTION INC3 Filed as: EMPLOYEE FAMILY PROTECTION, INC | PO BOX 1237 90 KRIEGER LANE GLASTONBURY, CT 06033 | FIRST UNUM LIFE INSURANCE COMPANY | $36K | $12K | $47K | 7.79% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY INC. | 400 WILLOWBROOK OFFICE PARK SUITE 400 FAIRPORT, NY 14450 | HM LIFE INSURANCE COMPANY (DAVIS VISION) | $12K | — | $12K | 5.00% |
| EMPLOYEE FAMILY PROTECTION INC3 Filed as: EMPLOYEE FAMILY PROTECTION, INC | PO BOX 1237 90 KRIEGER LANE GLASTONBURY, CT 06033 | FIRST UNUM LIFE INSURANCE COMPANY | $24K | $7K | $31K | 13.57% |
| EMPLOYEE FAMILY PROTECTION INC3 Filed as: EMPLOYEE FAMILY HEALTH PROTECTION | PO BOX 1237 90 KRIEGER LANE GLASTONBURY, CT 06033 | FIRST UNUM LIFE INSURANCE COMPANY | $12K | $2K | $14K | 13.12% |
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 | 3,336 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 3,336 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN, INC. | 2,747 | $654K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 3,336 | $1.4M |
| Vision | HM LIFE INSURANCE COMPANY (DAVIS VISION) | 2,898 | $235K |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 2,204 | $606K |
| Short-term disability(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 2,158 | $1.4M |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 724 | $229K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,336 | — |
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."
No prospect flags tripped on this filing.