| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE FAMILY PROTECTION INC3 | PO BXO 1237 90 KREIGER LANE GLASTONBURY, CT 06033 | FIRST UNUM LIFE INSURANCE COMPANY | $20K | $22K | $42K | 3.59% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY INC | 400 WILLOWBROOK OFFICE PARK STE 400 FAIRPORT, NY 14550 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | — | $11K | 0.95% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | $445 | $1K | $2K | 0.14% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY INC | 74 BROWNS RACE STE 200 ROCHESTER, NY 14614 | FIRST SYMETRA NATIONAL IFE INS CO OF NEW YORK | — | $17K | $17K | 2.80% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY INC | 400 WILLOWBROOK OFFICE PART STE 400 FAIRPORT, NY 14450 | FIRST SYMETRA NATIONAL IFE INS CO OF NEW YORK | — | $4K | $4K | 0.68% |
| DAVIDSON BENEFITS PLANNING LLC3 Filed as: DAVIDSON BENF PLANNING AN ALER | 7632 SW DURHAM RD STE 115 TIGARD, OR 97224 | FIRST SYMETRA NATIONAL IFE INS CO OF NEW YORK | — | $3K | $3K | 0.50% |
| NATIONAL BENEFITS CENTER LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | FIRST SYMETRA NATIONAL IFE INS CO OF NEW YORK | — | $839 | $839 | 0.14% |
| EMPLOYEE FAMILY PROTECTION INC3 | PO BOX 1237 90 KREIGER LANE GLASTONBURY, CT 06033 | FIRST UNUM LIFE INSURANCE COMPANY | $26K | $7K | $33K | 7.00% |
| EMPLOYEE FAMILY PROTECTION INC3 | PO BOX 1237 90 KREIGER LANE GLASTONBURY, CT 06033 | FIRST UNUM LIFE INSURANCE COMPANY | $25K | $8K | $33K | 7.34% |
| 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) | $6K | — | $6K | 2.57% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | HM LIFE INSURANCE COMPANY (DAVIS VISION) | $6K | — | $6K | 2.43% |
| EMPLOYEE FAMILY PROTECTION INC3 | PO BOX 1237 90 KREIGER LANE GLASTONBURY, CT 06033 | FIRST UNUM LIFE INSURANCE COMPANY | $11K | $2K | $12K | 13.34% |
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 | 1,989 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,989 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | 2,437 | $579K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 3,065 | $1.1M |
| Vision | HM LIFE INSURANCE COMPANY (DAVIS VISION) | 2,661 | $240K |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 1,989 | $448K |
| Short-term disability(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 1,912 | $1.3M |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 590 | $477K |
| Prescription drug | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | 2,437 | $579K |
| Stop-loss / reinsurancereinsurance | FIRST SYMETRA NATIONAL IFE INS CO OF NEW YORK | 1,352 | $607K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,065 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.