| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT RELPH AGENCY | 800 PARKER HILL DR STE 100 ROCHESTER, NY 14625 | NY LIFE GROUP INSURANCE COMPANY OF NY | $6K | — | $6K | 4.81% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | NY LIFE GROUP INSURANCE COMPANY OF NY | — | $3K | $3K | 2.47% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | NY LIFE GROUP INSURANCE COMPANY OF NY | — | $2K | $2K | 1.48% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT RELPH AGENCY | 800 PARKER HILL DR STE 100 ROCHESTER, NY 14625 | NY LIFE GROUP INSURANCE COMPANY OF NEW YORK | $5K | — | $5K | 5.15% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | NY LIFE GROUP INSURANCE COMPANY OF NEW YORK | — | $3K | $3K | 2.76% |
| RELPH ROBERT G AGENCY INC3 | 800 PARKER HILL DR SUITE 100 ROCHESTER, NY 14625 | GUARDIAN | $7K | $3K | $10K | 13.39% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT RELPH AGENCY | 800 PARKER HILL DR STE 100 ROCHESTER, NY 14625 | NY LIFE GROUP INSURANCE COMPANY OF NEW YORK | $5K | — | $5K | 8.39% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | NY LIFE GROUP INSURANCE COMPANY OF NEW YORK | — | $2K | $2K | 2.42% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | NY LIFE GROUP INSURANCE COMPANY OF NEW YORK | — | $954 | $954 | 1.48% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT RELPH AGENCY | 800 PARKER HILL DR SUITE 100 ROCHESTER, NY 14625 | NY LIFE GROUP INSURANCE COMPANY OF NEW YORK | $733 | — | $733 | 10.28% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | NY LIFE GROUP INSURANCE COMPANY OF NEW YORK | — | $174 | $174 | 2.44% |
| NATIONAL BENEFIT CENTER3 | — | NY LIFE GROUP INSURANCE COMPANY OF NEW YORK | — | $108 | $108 | 1.51% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EXCELLUS BLUECROSS BLUESHIELD EIN 15-0329043 TPA | Claims processing Service code 12 | — | $186K |
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 | 0 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 409 | $73K |
| Vision | GUARDIAN | 409 | $73K |
| Life insurance | NY LIFE GROUP INSURANCE COMPANY OF NY | 496 | $115K |
| Short-term disability | NY LIFE GROUP INSURANCE COMPANY OF NEW YORK | 438 | $92K |
| Long-term disability | NY LIFE GROUP INSURANCE COMPANY OF NEW YORK | 497 | $65K |
| Other(2 contracts, 2 carriers) | EMPLOYEE NETWORK INC | 500 | $16K |
| 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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.