| 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 STE 100 ROCHESTER, NY 14625 | LINCOLM LIFE & ANNUITY COMPANY OF NEW YORK | $6K | — | $6K | 8.15% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY INC | 800 PARKER HILL DRIVE STE 100 ROCHESTER, NY 14625 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $6K | — | $6K | 8.21% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 30 WATERSIDE DRIVE PO BOX 527 FARMINGTON, CT 06034 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | $5 | $2K | 3.66% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY BENEFITS GROUP, LLC | C/O MARY ANN MACKINNON 361 DELAWARE AVENUE BUFFALO, NY 14202 | FIRST UNUM LIFE INSURANCE COMPANY | $675 | $1 | $676 | 1.42% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK, INC. EIN 16-1105741 THIRD PARTY ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $370K |
| ROBERT G RELPH AGENCY INC BROKER | Insurance agents and brokers Service code 22 | 800 PARKER HILL DRIVE STE 100 ROCHESTER, NY 14625 | $0 |
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 | 1,002 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,002 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENT HEALTH | 4 | $31K |
| Life insurance | LINCOLM LIFE & ANNUITY COMPANY OF NEW YORK | 1,002 | $75K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 187 | $75K |
| Stop-loss / reinsurancereinsurance | FIRST UNUM LIFE INSURANCE COMPANY | 77 | $47K |
| Other | LINCOLM LIFE & ANNUITY COMPANY OF NEW YORK | 1,002 | $75K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,002 | — |
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.