| 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 | MVP HEALTHCARE | $51K | — | $51K | 3.54% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING EMPLOYEE BENEF | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | MVP HEALTHCARE | $11K | — | $11K | 0.79% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY INC | 800 PARKER HILL DRIVE STE 100 ROCHESTER, NY 14625 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $630 | $4K | 6.00% |
| GCG FINANCIAL LLC3 Filed as: ALERA GENERAL AGENCY | 965 GREENTREE RD STE 110 PITTSBURGH, PA 15220 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $25 | $3K | 5.04% |
| GCG FINANCIAL LLC3 Filed as: ALERA GENERAL AGENCY | 965 GREENTREE RD STE 110 PITTSBURGH, PA 15220 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 1.89% |
| RELPH ROBERT G AGENCY INC3 | 22113 FABCO RD WATERTOWN, NY 13601 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $7K | — | $7K | 23.02% |
| ROSE & KIERNAN INC3 | 99 TROY ROAD EAST GREENBUSH, NY 12601 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $254 | — | $254 | 0.79% |
| EMPLOYEE FAMILY PROTECTION INC3 Filed as: EMPLOYEE FAMILY PROTECTION, INC | PO BOX 1237 GLASTONBURY, CT 06033 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $244 | — | $244 | 0.76% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY INC | 800 PARKER HILL DRIVE STE 100 ROCHESTER, NY 14625 | ANTHEM LIFE AND DISABILITY INS CO | $1K | — | $1K | 8.44% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY INC | 800 PARKER HILL DRIVE STE 100 ROCHESTER, NY 14625 | ANTHEM BLUE CROSS | $612 | — | $612 | 6.58% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 965 GREENTREE RD STE 110 PITTSBURGH, NY 15220 | ANTHEM BLUE CROSS | — | $127 | $127 | 1.37% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING EMP BNFTS | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | ANTHEM BLUE CROSS | $67 | — | $67 | 0.72% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY INC | 800 PARKER HILL DRIVE STE 100 ROCHESTER, NY 14625 | ANTHEM LIFE AND DISABILITY INS CO | $577 | — | $577 | 12.25% |
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 | 249 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 249 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MVP HEALTHCARE | 183 | $1.4M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 214 | $72K |
| Vision | ANTHEM BLUE CROSS | 125 | $9K |
| Life insurance(2 contracts, 2 carriers) | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | 249 | $48K |
| Short-term disability | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | 171 | $32K |
| Long-term disability | ANTHEM LIFE AND DISABILITY INS CO | 36 | $5K |
| Other | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | 171 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 249 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.