| 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 SUITE 100 ROCHESTER, NY 14625 | EMBLEM HEALTH | $36K | $0 | $36K | 5.00% |
| RELPH ROBERT G AGENCY INC3 Filed as: RELPH ROBERT G AGENCY INC. | 800 PARKER HILL DRIVE SUITE 100 ROCHESTER, NY 14625 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 7.00% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 3 PARKWAY NORTH BLVD STE 500 DEERFIELD, IL 60015 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $625 | $625 | 2.83% |
| ALLIANCE ADVISORY GRP INC3 Filed as: ALLIANCE ADVISORY GROUP | 600 DELAWARE AVENUE BUFFALO, NY 14202 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $18 | $0 | $18 | 0.08% |
| DEANA BRENNAN3 Filed as: DEANA BRENNAN INC. | 2364 STATE ROUTE 17A GOSHEN, NY 10924 | AFLAC | $1K | $55 | $1K | 7.44% |
| WILLIAM E BRENNAN3 | PO BOX 311 SOUTHFIELDS, NY 10975 | AFLAC | $333 | $0 | $333 | 2.07% |
| JOHN KARAS3 | 30 MATTHEWS ST SUITE 301 GOSHEN, NY 10924 | AFLAC | $257 | $0 | $257 | 1.60% |
| WILL BRENNAN3 | 2 MURABITO PL GOSHEN, NY 10924 | AFLAC | $222 | $23 | $245 | 1.52% |
| NICHOLAS MCELROY3 | PO BOX 1068 MONROE, NY 10949 | AFLAC | $120 | $0 | $120 | 0.75% |
| DOMINICK R SIRACUSA3 Filed as: DOMINICK SURAGUSA | 225 DOLSON AVE SUITE 304 MIDDLETOWN, NY 10940 | AFLAC | $102 | $18 | $120 | 0.75% |
| VINCENT TAYLOR ECHOLS3 Filed as: VINCENT JOSEPH KRILL | 225 DOLSON AVE SUITE 304 MIDDLETOWN, NY 10940 | AFLAC | $92 | $18 | $110 | 0.68% |
| JASON SCZEPANIAK3 Filed as: JASON HARTMAN | 10 LAKE STREET SUITE 2 MONROE, NY 10950 | AFLAC | $102 | $0 | $102 | 0.63% |
| WILLIAM E BRENNAN3 | PO BOX 311 SOUTHFIELDS, NY 10975 | AFLAC | $64 | $0 | $64 | 0.40% |
| DOMINICK R SIRACUSA3 Filed as: DOMINICK R SURACUSA | 225 DOLSON AVE SUITE 304 MIDDLETOWN, NY 10940 | AFLAC | $53 | $0 | $53 | 0.33% |
| NICOLE M FICHTHORN3 Filed as: NICOLE M FIGHTHORN | 40 TAYLOR RD HUGUENOT, NY 12746 | AFLAC | $32 | $0 | $32 | 0.20% |
| MCINERNEY GROUP LLC3 | 580 WHITE PLAINS RD SUITE 115 TARRYTOWN, NY 10591 | AFLAC | $31 | $0 | $31 | 0.19% |
| MYLES PAT ASSOCIATES INC.3 | 59 N MAIN ST PO BOX 294 FLORIDA, NY 10921 | AFLAC | $30 | $0 | $30 | 0.19% |
| AMY WARNER3 | 10 LAKE ST 2ND FLOOR MONROE, NY 10950 | AFLAC | $27 | $0 | $27 | 0.17% |
| LARRY JAY BLUM3 | 321 ROUTE 59 UNIT 254 TALLMAN, NC 10982 | AFLAC | $23 | $0 | $23 | 0.14% |
| MELISA SCHOFIELD3 | 910 W KATHLEEN RD PHOENIX, CT 85023 | AFLAC | $9 | $0 | $9 | 0.06% |
| PERRY E MEDINA3 | 1128 WASHINGTON GRN NEW WINDSOR, NY 12553 | AFLAC | $8 | $0 | $8 | 0.05% |
| JANICE TAYLOR3 Filed as: JANICE A TAYLOR | 40 BEVERLY DR WARWICK, NY 10990 | AFLAC | $7 | $0 | $7 | 0.04% |
| KEVIN MCCARTHY3 | 197 LANG DR NORTH KINGSTOWN, RI 02852 | AFLAC | $6 | $0 | $6 | 0.04% |
| CHRISTINE KRUZIK3 | 2364 ROUTE 17A GOSHEN, NY 10924 | AFLAC | $5 | $0 | $5 | 0.03% |
| NICOLE M HARPER3 | 225 DOLSON AVE SUITE 304 MIDDLETOWN, NY 10940 | AFLAC | $5 | $0 | $5 | 0.03% |
| TOMAS E FLORES3 | 2030 HUDSON ST APT 942 FORT LEE, NJ 07024 | AFLAC | $5 | $0 | $5 | 0.03% |
| LARRY JAY BLUM3 | PO BOX 254 TALLMAN, NY 10982 | AFLAC | $5 | $0 | $5 | 0.03% |
| JUDITH S KASS3 | 47 MORNING WATCH RD WAYNE, NJ 07470 | AFLAC | $3 | $0 | $3 | 0.02% |
| BRADLEY MADIGAN3 | 70 BRIXTON RD GARDEN CITY, NY 11530 | AFLAC | $2 | $0 | $2 | 0.01% |
| WENDY CALIENDO3 Filed as: WENDY M CALIENDO | 1036 MAGGIE RD NEWBURGH, NY 12550 | AFLAC | $1 | $0 | $1 | 0.01% |
| RELPH ROBERT G AGENCY INC3 Filed as: RELPH BENEFIT ADVISORS | 800 PARKER HILL DRIVE SUITE 100 ROCHESTER, NY 14625 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $0 | $1K | 10.00% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $34 | $34 | 0.27% |
| RELPH ROBERT G AGENCY INC3 Filed as: RELPH BENEFIT ADVISORS | 800 PARKER HILL DRIVE SUITE 100 ROCHESTER, NY 14625 | HM LIFE INSURANCE COMPANY | $387 | $0 | $387 | 10.00% |
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 | 124 | 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) | 124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMBLEM HEALTH | 65 | $716K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 38 | $22K |
| Vision | HM LIFE INSURANCE COMPANY | 55 | $4K |
| Life insurance | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 124 | $13K |
| Other(2 contracts, 2 carriers) | AFLAC | 124 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 124 | — |
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.