| 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 | UNIVERA HEALTHCARE | $77K | — | $77K | 3.99% |
| EMS FINANCIAL SERVICES LLC3 Filed as: EMS FINANCIAL | 6724 MAIN STREET WILLIAMSVILLE, NY 14221 | GERBER LIFE INSURANCE COMPANY | $4K | — | $4K | 4.72% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY, INC | 800 PARKER HILL DRIVE SUITE 100 ROCHESTER, NY 14625 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $5K | — | $5K | 15.00% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH STE 500 DEERFIELD, IL 60015 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $977 | $977 | 2.83% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY, INC. | 800 PARKER HILL DRIVE SUITE 100 ROCHESTER, NY 14625 | SYMETRA LIFE INSURANCE COMPANY | $3K | $378 | $4K | 11.19% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH STE 500 DEERFIELD, IL 60015 | SYMETRA LIFE INSURANCE COMPANY | — | $1K | $1K | 3.76% |
| 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 | $2K | $229 | $2K | 10.71% |
| EMS FINANCIAL SERVICES LLC3 | 6724 MAIN STREET WILLIAMSVILLE, NY 14221 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $2K | — | $2K | 15.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 STE 368 WALL TOWNSHIP, NJ 07719 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $1K | $1K | 8.98% |
No Schedule C service providers reported on this filing.
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 | 323 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 323 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNIVERA HEALTHCARE | 128 | $1.9M |
| Dental | GERBER LIFE INSURANCE COMPANY | 128 | $80K |
| Vision | EASTERN VISION SERVICE PLAN, INC. | 114 | $18K |
| Life insurance(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 323 | $47K |
| Short-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 85 | $34K |
| Prescription drug | UNIVERA HEALTHCARE | 128 | $1.9M |
| Other(3 contracts, 3 carriers) | SYMETRA LIFE INSURANCE COMPANY | 323 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 323 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.