| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT G. RELPH AGENCY, INC.3 | 400 WILLOWBROOK OFFICE PARK, SUITE 400 FAIRPORT, NY 14450 | EXCELLUS BLUECROSS BLUESHEILD | $54K | — | $54K | 3.06% |
| PARADIGM PB LLC3 | 133 BUSINESS PARK DRIVE UTICA, NY 13502 | EXCELLUS BLUECROSS BLUESHEILD | $12K | — | $12K | 0.70% |
| ROBERT G. RELPH AGENCY, INC.3 | 400 WILLOWBROOK OFFICE PARK SUITE 400 FAIRPORT, NY 14450 | THE GUARDIAN LIFE INSURANCE COMPANY | $13K | $9K | $22K | 10.86% |
| PARADIGM PB LLC3 | 133 BUSINESS PARK DRIVE UTICA, NY 13502 | THE GUARDIAN LIFE INSURANCE COMPANY | $869 | — | $869 | 0.42% |
| NATIONAL BENEFIT CENTER3 Filed as: NATIONAL BENEFIT CENTER LLC | 1105 NORTH MARKET STREET SUITE 1300 WILMINGTON, DE 19801 | THE GUARDIAN LIFE INSURANCE COMPANY | $345 | — | $345 | 0.17% |
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 | 500 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 500 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUECROSS BLUESHEILD | 289 | $1.8M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY | 500 | $206K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY | 500 | $206K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY | 500 | $206K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY | 500 | $206K |
| Prescription drug | EXCELLUS BLUECROSS BLUESHEILD | 289 | $1.8M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY | 500 | $206K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 500 | — |
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.