| 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 | MVP HEALTH PLAN, INC | $59K | — | $59K | 3.60% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH STE 100 DEERFIELD, IL 60015 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $29K | $29K | 14.06% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY INC | 800 PARKER HILL DRIVE STE 100 ROCHESTER, NY 14625 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 5.60% |
| ROBERT G. RELPH AGENCY, INC.3 | 800 PARKER HILL DRIVE SUITE 100 ROCHESTER, NY 14625 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $11K | $5K | $16K | 21.00% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 3 PARKWAY DRIVE SUITE 100 DEERFIELD, IL 60015 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $3K | $3K | 3.28% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY INC | 800 PARKER HILL DRIVE STE 100 ROCHESTER, NY 14625 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 5.68% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH STE 500 DEERFIELD, IL 60015 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 4.54% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 965 GREENTREE RD PITTSBURGH, PA 15220 | ANTHEM BLUE CROSS AND BLUE SHIELD | — | $167 | $167 | 1.46% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY INC. | 800 PARKER HILL DRIVE SUITE 100 ROCHESTER, NY 14625 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $102 | $1K | 12.20% |
| GCG FINANCIAL LLC3 Filed as: ALERA GENERAL AGENCY | 965 GREENTREE RD STE 110 PITTSBURGH, PA 15220 | METROPOLITAN LIFE INSURANCE COMPANY | $508 | $29 | $537 | 4.77% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY INC. | 800 PARKER HILL DRIVE SUITE 100 ROCHESTER, NY 14625 | METROPOLITAN LIFE INSURANCE COMPANY | $825 | $83 | $908 | 9.91% |
| GCG FINANCIAL LLC3 Filed as: ALERA GENERAL AGENCY | 965 GREENTREE RD STE 110 PITTSBURGH, PA 15220 | METROPOLITAN LIFE INSURANCE COMPANY | $413 | $29 | $442 | 4.83% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 THIRD PARTY ADMINISTRATOR | Claims processing Service code 12 | — | $222K |
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 | 760 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 760 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | MVP HEALTH PLAN, INC | 172 | $1.7M |
| Dental(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 760 | $274K |
| Vision(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 256 | $79K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 760 | $206K |
| Short-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 125 | $76K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 760 | $216K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 760 | — |
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.