| 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 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $8K | — | $8K | 9.00% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK E STE 350 BEACHWOOD, OH 44122 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $199 | $199 | 0.23% |
| 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 | $7K | — | $7K | 8.95% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK E STE 350 BEACHWOOD, OH 44122 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $208 | $208 | 0.25% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 30 WATERSIDE DRIVE PO BOX 527 FARMINGTON, CT 06034 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | — | $2K | 3.60% |
| 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 | $615 | — | $615 | 1.40% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $3K | $7K | 24.40% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY LLC | 361 DELAWARE AVE BUFFALO, NY 14202 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 5.04% |
| THE FARMINGTON COMPANY3 Filed as: FARMINGTON CO | 30 WATERSIDE DR FARMINGTON, CT 06032 | METROPOLITAN LIFE INSURANCE COMPANY | $563 | — | $563 | 1.90% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK, INC. EIN 16-1105741 THIRD PARTY ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $488K |
| 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 | 979 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 979 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENT HEALTH | 3 | $17K |
| Life insurance | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 979 | $85K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 190 | $83K |
| Stop-loss / reinsurancereinsurance | FIRST UNUM LIFE INSURANCE COMPANY | 64 | $44K |
| Other(2 contracts, 2 carriers) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 979 | $115K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 979 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.