| 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 | HIGHMARK NORTHEASTERN NEW YORK | $88K | — | $88K | 2.60% |
| RELPH ROBERT G AGENCY INC3 Filed as: RELPH BENEFIT ADVISORS | 400 WILLOWBROOK OFFICE PARK, STE 40 FAIRPORT, NY 14450 | DELTA DENTAL OF NEW YORK | $6K | — | $6K | 3.35% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 500 PLUM ST STE 200 SYRACUSE, NY 13204 | DELTA DENTAL OF NEW YORK | $3K | — | $3K | 1.65% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G. RELPH AGENCY INC. | 800 PARKER HILL DR STE 100 ROCHESTER, NY 14625 | COMPANION LIFE INSURANCE COMPANY | $5K | $3K | $8K | 6.53% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | COMPANION LIFE INSURANCE COMPANY | — | $3K | $3K | 2.27% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NEW YORK INC | 500 PLUM ST STE 200 SYRACUSE, NC 13204 | COMPANION LIFE INSURANCE COMPANY | $733 | — | $733 | 0.60% |
| RELPH ROBERT G AGENCY INC3 | 800 PARKER HILL DRIVE, SUITE 100 ROCHESTER, NY 14625 | GUARDIAN | $2K | — | $2K | 6.00% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP | — | GUARDIAN | — | $1K | $1K | 3.26% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 500 PLUM STREET STE 200 SYRACUSE, NY 13204 | GUARDIAN | $404 | — | $404 | 1.22% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G. RELPH AGENCY INC. | 800 PARKER HILL DR STE 100 ROCHESTER, NY 14625 | MUTUAL OF OMAHA INSURANCE COMPANY | $2K | $895 | $3K | 9.58% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NEW YORK INC | 500 PLUM ST STE 200 SYRACUSE, NY 13204 | MUTUAL OF OMAHA INSURANCE COMPANY | $967 | — | $967 | 3.10% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $768 | $768 | 2.46% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G. RELPH AGENCY INC. | 800 PARKER HILL DR STE 100 ROCHESTER, NY 14625 | MUTUAL OF OMAHA INSURANCE COMPANY | $1K | $495 | $2K | 9.16% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NEW YORK INC | 500 PLUM ST STE 200 SYRACUSE, NY 13204 | MUTUAL OF OMAHA INSURANCE COMPANY | $651 | — | $651 | 3.52% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $424 | $424 | 2.29% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G. RELPH AGENCY INC. | 800 PARKER HILL DRIVE, SUITE 100 ROCHESTER, NY 14625 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | — | $1K | 15.47% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 500 PLUM ST STE 200 SYRACUSE, NY 13204 | FIRST UNUM LIFE INSURANCE COMPANY | $146 | — | $146 | 1.53% |
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 | 420 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 438 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK NORTHEASTERN NEW YORK | 456 | $3.4M |
| Dental | DELTA DENTAL OF NEW YORK | 617 | $188K |
| Vision | GUARDIAN | 278 | $33K |
| Life insurance | COMPANION LIFE INSURANCE COMPANY | 420 | $122K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 75 | $31K |
| Prescription drug | HIGHMARK NORTHEASTERN NEW YORK | 456 | $3.4M |
| Other(2 contracts, 2 carriers) | MUTUAL OF OMAHA INSURANCE COMPANY | 420 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 617 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.