| 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 DR #100 ROCHESTER, NY 14625 | SYMETRA LIFE INSURANCE COMPANY | $48K | $8K | $56K | 10.37% |
| ROBERT G. RELPH AGENCY, INC.3 | 800 PARKER HILL DRIVE SUITE 100 ROCHESTER, NY 14625 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 20.36% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY INC | 800 PARKER HILL DR STE 100 ROCHESTER, NY 14625 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $533 | $2K | 14.91% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY INC | 800 PARKER HILL DR STE 100 ROCHESTER, NY 14625 | METROPOLITAN LIFE INSURANCE COMPANY | $455 | $181 | $636 | 12.40% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 THIRD PARTY ADMINISTRATOR | Claims processing Service code 12 | — | $72K |
| ROBERT G RELPH AGENCY INC BROKER | Claims processing Service code 12 | 800 PARKER HILL DRIVE STE 100 ROCHESTER, NY 14625 | $39K |
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 | 921 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 921 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 651 | $51K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 651 | $51K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 921 | $543K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 921 | $543K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 921 | $543K |
| Other(3 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 921 | $563K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 921 | — |
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.
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.