| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY | 800 PARKER HILL DR STE 100 ROCHESTER, NY 14625 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $15K | $14K | $29K | 3.24% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $18K | $18K | 2.00% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY INC | 800 PARKER HILL DR SUITE 100 ROCHESTER, NY 14625 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $13K | — | $13K | 2.13% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY | 400 WILLOWBROOK OFFICE PARK FAIRPORT, NY 144504223 | VISION SERVICE PLAN | $4K | — | $4K | 1.87% |
| RELPH ROBERT G AGENCY INC3 Filed as: RELPH BENEFIT ADVISORS | 400 WILLOWBROOK OFFICE PARK STE 400 FAIRPORT, NY 14450 | HEALTHIEST YOU | $14K | — | $14K | 20.00% |
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 | 2,101 | 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) | 2,101 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 2,073 | $204K |
| Life insurance | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 2,172 | $595K |
| Short-term disability | CIGNA LIFE INSURANCE CO. OF NEW YORK | 2,101 | $887K |
| Long-term disability | CIGNA LIFE INSURANCE CO. OF NEW YORK | 2,101 | $887K |
| Other(3 contracts, 3 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 2,172 | $674K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,172 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.