| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: HP PLANNING LLC DBA ALERA NORTHEAST | 535 CONNECTICUT AVE SUITE 502 NORWALK, CT 06854 | SUN LIFE AND HEALTH INSURANCE COMPANY | $15K | — | $15K | 6.71% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY, INC. | 800 PARKER HILL DRIVE SUITE 100 ROCHESTER, NY 14625 | SUN LIFE AND HEALTH INSURANCE COMPANY | — | $7K | $7K | 2.93% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY, INC | 800 PARKER HILL DRIVE SUITE 100 ROCHESTER, NY 14625 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $3K | $6K | 5.64% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY, INC | 800 PARKER HILL DRIVE SUITE 100 ROCHESTER, NY 14625 | EYEMED VISION CARE | $3K | — | $3K | 10.00% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY, INC | 800 PARKER HILL DRIVE SUITE 100 ROCHESTER, NY 14625 | EYEMED VISION CARE | $65 | — | $65 | 10.05% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNIVERA HEALTHCARE EIN 16-0743900 THIRD PARTY ADMINISTRATOR | Claims processing Service code 12 | — | $170K |
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 | 210 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 137 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 347 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 434 | $109K |
| Vision(2 contracts) | EYEMED VISION CARE | 423 | $26K |
| Life insurance | SUN LIFE AND HEALTH INSURANCE COMPANY | 657 | $229K |
| Short-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY | 657 | $229K |
| Long-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY | 657 | $229K |
| Other | SUN LIFE AND HEALTH INSURANCE COMPANY | 657 | $229K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 657 | — |
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.