| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RELPH ROBERT G AGENCY INC3 Filed as: RELPH ROBERT G. AGENCY, INC. | 800 PARKER HILL DRIVE, SUITE 100 ROCHESTER, NY 14625 | GUARDIAN | $3K | — | $3K | 4.33% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | C/O RELPH ROBERT G. AGENCY, INC. 800 PARKER HILL DRIVE, SUITE 100 ROCHESTER, NY 14625 | GUARDIAN | — | $2K | $2K | 2.97% |
| ROBERT G. RELPH AGENCY, INC.3 | 800 PARKER HILL DRIVE, SUITE 100 ROCHESTER, NY 14625 | MUTUAL OF OMAHA INSURANCE COMPANY | $2K | — | $2K | 6.01% |
| ROBERT G. RELPH AGENCY, INC.3 | 800 PARKER HILL DRIVE, SUITE 100 ROCHESTER, NY 14625 | COMPANION LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| RELPH ROBERT G AGENCY INC3 Filed as: RELPH ROBERT G. AGENCY, INC. | 800 PARKER HILL DRIVE, SUITE 100 ROCHESTER, NY 14625 | GUARDIAN | $3K | — | $3K | 10.06% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | C/O RELPH ROBERT G. AGENCY, INC. 800 PARKER HILL DRIVE, SUITE 100 ROCHESTER, NY 14625 | GUARDIAN | — | $1K | $1K | 4.22% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 THIRD PARTY ADMINISTRATOR | Claims processing; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $128K |
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 | 559 | 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) | 559 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | GUARDIAN | 567 | $128K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 567 | $55K |
| Life insurance(3 contracts, 3 carriers) | MUTUAL OF OMAHA INSURANCE COMPANY | 559 | $100K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 559 | $34K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 559 | $34K |
| Other(2 contracts, 2 carriers) | MUTUAL OF OMAHA INSURANCE COMPANY | 559 | $66K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 567 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.