| 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 | $19K | — | $19K | 7.13% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY INC | 800 PARKER HILL DR SUITE 100 ROCHESTER, NY 14625 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $3K | $8K | 3.83% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 101 S GARLAND AVE STE 203 ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | -$808 | — | -$808 | -0.41% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH | 800 PARKER HILL DR STE 100 ROCHESTER, NY 14625 | EYEMED VISION CARE | $2K | — | $2K | 7.43% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH | 800 PARKER HILL DR STE 100 ROCHESTER, NY 14625 | EYEMED VISION CARE | $20 | — | $20 | 3.69% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNIVERA HEALTHCARE EIN 15-0329043 TPA | Claims processing Service code 12 | — | $190K |
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 | 514 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 225 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 739 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 517 | $197K |
| Vision(2 contracts) | EYEMED VISION CARE | 268 | $31K |
| Life insurance | SUN LIFE AND HEALTH INSURANCE COMPANY | 739 | $272K |
| Short-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY | 739 | $272K |
| Long-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY | 739 | $272K |
| Other | SUN LIFE AND HEALTH INSURANCE COMPANY | 739 | $272K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 739 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.