| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FOY BENEFITS INC3 Filed as: FOY BENEFITS | 120 WASHINGTON STREET SUITE 430 WATERTOWN, NY 13601 | EXCELLUS BLUE CROSS BLUE SHIELD | $37K | $0 | $37K | 4.45% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY | 400 WILLOWBROOK, STE 400 WILLOWBROOK OFFICE PARK FAIRPORT, NY 14450 | EXCELLUS BLUE CROSS BLUE SHIELD | $1K | $0 | $1K | 0.15% |
| FOY BENEFITS INC3 Filed as: FOY BENEFITS INC. | 120 WASHINGTON ST SUITE 220 WATERTOWN, NY 13601 | FIRST UNUM LIFE INSURANCE COMPANY | $4K | $0 | $4K | 13.13% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY INC. | 22113 FABCO RD WATERTOWN, NY 13601 | FIRST UNUM LIFE INSURANCE COMPANY | $444 | $0 | $444 | 1.63% |
| BENEFIT ADVISORS NETWORK LLC3 Filed as: BENEFIT ADVISORS NETWORK | 6830 COCHRAN RD SOLON, OH 44139 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| FOY BENEFITS INC3 | 120 WASHINGTON ST, STE 22 WATERTOWN, NY 13601 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 8.28% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY | 400 WILLOWBROOK, STE 400 WILLOWBROOK OFFICE PARK FAIRPORT, NY 14450 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $2K | $2K | 6.24% |
| NATIONAL BENEFIT CENTER3 Filed as: NATIONAL BENEFIT CENTER LLC | 1105 N MARKET ST, STE 1300 WILMINGTON, DE 19801 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $21 | $0 | $21 | 0.09% |
| FOY BENEFITS INC3 | 120 WASHINGTON STREET WATERTOWN, NY 13601 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $3K | $0 | $3K | 13.07% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY | 400 WILLOWBROOK, STE 400 WILLOWBROOK OFFICE PARK FAIRPORT, NY 14450 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $447 | $0 | $447 | 2.14% |
| FOY BENEFITS INC3 Filed as: FOY BENEFITS INC. | 120 WASHINGTON ST SUITE 220 WATERTOWN, NY 13601 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | $0 | $2K | 11.43% |
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 | 209 | 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) | 209 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUE CROSS BLUE SHIELD | 125 | $837K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 140 | $24K |
| Life insurance(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 209 | $41K |
| Long-term disability | CIGNA LIFE INSURANCE CO. OF NEW YORK | 199 | $21K |
| Other | FIRST UNUM LIFE INSURANCE COMPANY | 209 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 209 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.