| 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 WESTERN AND NORTHEASTERN NEW YORK INC. | $47K | $0 | $47K | 1.97% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 200 PARK AVE 21ST FLOOR NEW YORK, NY 10173 | HIGHMARK WESTERN AND NORTHEASTERN NEW YORK INC. | $23K | $0 | $23K | 0.98% |
| 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 | $10K | $1K | $11K | 11.29% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP PROPERTY AND CASUALTY SERVICE | 159 WOLF RD SUITE 200 ALBANY, NY 12205 | FIRST UNUM LIFE INSURANCE COMPANY | $5K | $237 | $5K | 5.13% |
| PLANSOURCE BENEFIT ADMINISTRATION3 | PO BOX 1313 ORLANDO, FL 32802 | FIRST UNUM LIFE INSURANCE COMPANY | $971 | $0 | $971 | 1.00% |
| 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 | $3K | $415 | $3K | 8.89% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP PROPERTY AND CASUALTY SERVICE | 159 WOLF RD SUITE 200 ALBANY, NY 12205 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | $82 | $1K | 4.16% |
| PLANSOURCE BENEFIT ADMINISTRATION3 | PO BOX 1313 ORLANDO, FL 32802 | FIRST UNUM LIFE INSURANCE COMPANY | $346 | $0 | $346 | 1.00% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS-PLEASE SEE ATTACHED | — | AFLAC | $3K | $12 | $3K | 15.26% |
| RELPH ROBERT G AGENCY INC3 | 800 PARKER HILL DRIVE SUITE 100 ROCHESTER, NY 14625 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 6.70% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $641 | $641 | 4.23% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP PROPERTY & CASUALTY SVCS INC | 99 TROY ROAD EAST PO BOX 640 GREENBUSH, NY 12061 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $370 | $0 | $370 | 2.44% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY INC | 800 PARKER HILL DRIVE STE 100 ROCHESTER, NY 14625 | MUTUAL OF OMAHA INSURANCE COMPANY | $826 | $334 | $1K | 9.39% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 200 PARK AVE FL 32 NEW YORK, NY 10166 | MUTUAL OF OMAHA INSURANCE COMPANY | $409 | $0 | $409 | 3.31% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | MUTUAL OF OMAHA INSURANCE COMPANY | $0 | $95 | $95 | 0.77% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | PO BOX 9101 PLAINVIEW, NY 118039001 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $44 | $44 | 0.36% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | PO BOX 9101 PLAINVIEW, NY 118039001 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $44 | $44 | 0.52% |
| ROBERT G. RELPH AGENCY, INC. RELPH3 | — | METROPOLITAN GENERAL INSURANCE COMPANY | $356 | $0 | $356 | 7.12% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP BENEFITS NE REGIONAL LOCKBOX P | — | METROPOLITAN GENERAL INSURANCE COMPANY | $194 | $0 | $194 | 3.88% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | — | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $44 | $44 | 0.88% |
| ROBERT G. RELPH AGENCY, INC. RELPH3 | — | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $32 | $32 | 0.64% |
| AGS BENEFITS GROUP LLC 420 LEXINGT3 | — | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $4 | $4 | 0.08% |
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 | 153 | 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) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HIGHMARK WESTERN AND NORTHEASTERN NEW YORK INC. | 264 | $2.4M |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 148 | $15K |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 121 | $97K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 48 | $12K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 34 | $35K |
| Other(5 contracts, 4 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 162 | $141K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 264 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.