| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE FAMILY PROTECTION INC3 | PO BOX 1237 90 KREIGER LANE GLASTONBURY, CT 06033 | FIRST UNUM LIFE INSURANCE COMPANY | $27K | $38K | $66K | 3.87% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $17K | $29K | 2.53% |
| 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 | — | $20K | $20K | 1.76% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | — | FIRST SYMETRA NATIONAL IFE INS CO OF NEW YORK | $0 | $9K | $9K | 1.52% |
| EMPLOYEE FAMILY PROTECTION INC3 | PO BOX 1237 90 KREIGER LANE GLASTONBURY, CT 06033 | FIRST UNUM LIFE INSURANCE COMPANY | $40K | $13K | $53K | 9.08% |
| EMPLOYEE FAMILY PROTECTION INC3 | PO BOX 1237 90 KREIGER LANE GLASTONBURY, CT 06033 | FIRST UNUM LIFE INSURANCE COMPANY | $37K | $11K | $48K | 8.73% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | HM LIFE INSURANCE COMPANY (DAVIS VISION) | $12K | — | $12K | 5.00% |
| EMPLOYEE FAMILY PROTECTION INC3 | PO BOX 1237 90 KREIGER LANE GLASTONBURY, CT 06033 | FIRST UNUM LIFE INSURANCE COMPANY | $21K | $4K | $25K | 14.28% |
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 | 1,868 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,868 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | 2,289 | $564K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 2,927 | $1.2M |
| Vision | HM LIFE INSURANCE COMPANY (DAVIS VISION) | 2,518 | $238K |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 1,868 | $586K |
| Short-term disability(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 1,739 | $1.9M |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 507 | $547K |
| Prescription drug | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | 2,289 | $564K |
| Stop-loss / reinsurancereinsurance | FIRST SYMETRA NATIONAL IFE INS CO OF NEW YORK | 1,318 | $601K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,927 | — |
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.