| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY, INC | 400 WILLOWBROOK OFFICE PARK SUITE 400 FAIRPORT, NY 14450 | EXCELLUS BLUECROSS BLUESHIELD | $21K | — | $21K | 3.25% |
| GOETZMANN & ASSOCIATES LLC3 Filed as: GOETZMANN & ASSOCIATES, LLC | 1001 WEST FAYETTE STREET SUITE 3B SYRACUSE, NY 13204 | EXCELLUS BLUECROSS BLUESHIELD | $10K | — | $10K | 1.47% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY, INC | 400 WILLOWBROOK OFFICE PARK SUITE 400 FAIRPORT, NY 14450 | EXCELLUS BLUECROSS BLUESHIELD | $3K | — | $3K | 7.51% |
| GOETZMANN & ASSOCIATES LLC3 | 1001 WEST FAYETTE STREET SUITE 3B SYRACUSE, NY 13204 | EXCELLUS BLUECROSS BLUESHIELD | $1K | — | $1K | 3.06% |
| ROGER L GUTHEIL3 | GMR ASSOC INC. 300 BUELL ROAD ROCHESTER, NY 14624 | PRINCIPAL LIFE INSURANCE COMPANY | $388 | $84 | $472 | 4.19% |
| GEOFFREY A WRIGHT3 | NY LIFE INSURANCE 408 N TIOGA STREET ITHACA, NY 14850 | PRINCIPAL LIFE INSURANCE COMPANY | $387 | $84 | $471 | 4.18% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY, INC | 400 WILLOWBROOK OFFICE PARK SUITE 400 FAIRPORT, NY 14450 | PRINCIPAL LIFE INSURANCE COMPANY | $201 | $57 | $258 | 2.29% |
| PLANSOURCE BEN ADMINISTRATION INC3 Filed as: PLANSOURCE BEN ADMINISTRATION, INC | PO BOX 1313 ORLANDO, FL 32802 | COMPANION LIFE INSURANCE COMPANY | — | $414 | $414 | 15.10% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY, INC | 400 WILLOWBROOK OFFICE PARK SUITE 400 FAIRPORT, NY 14450 | COMPANION LIFE INSURANCE COMPANY | $240 | — | $240 | 8.76% |
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 | 147 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUECROSS BLUESHIELD | 82 | $656K |
| Dental | EXCELLUS BLUECROSS BLUESHIELD | 86 | $39K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 147 | $14K |
| Prescription drug | EXCELLUS BLUECROSS BLUESHIELD | 82 | $656K |
| Other | COMPANION LIFE INSURANCE COMPANY | 146 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 147 | — |
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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.