| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COMTON, INC.3 | 6780 PITTSFORD-PALMYRA RD BLDG 3 SUITE A FAIRPORT, NY 14450 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 8.83% |
| ROBERT G. RELPH AGENCY, INC.3 | 400 WILLOWBROOK OFFICE PARK SUITE 400 FAIRPORT, NY 14450 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 1.93% |
| COMTON, INC.3 | 6780 PITTSFORD-PALMYRA RD BLDG 3 SUITE A FAIRPORT, NY 14450 | HM LIFE INSURANCE COMPANY OF NEW YORK (DAVIS VISION) | $2K | — | $2K | 6.77% |
| ROBERT G. RELPH AGENCY, INC.3 | 400 WILLOWBROOK OFFICE PARK SUITE 400 FAIRPORT, NY 14450 | HM LIFE INSURANCE COMPANY OF NEW YORK (DAVIS VISION) | $867 | — | $867 | 3.23% |
| BOTH, BRANCH, & HENDRIX, INC.3 | 128 S. UNION STREET OLEAN, NY 14760 | COMPANION LIFE INSURANCE COMPANY | $494 | — | $494 | 6.81% |
| ROBERT G. RELPH AGENCY, INC.3 | 400 WILLOWBROOK OFFICE PARK SUITE 400 FAIRPORT, NY 14450 | COMPANION LIFE INSURANCE COMPANY | $231 | — | $231 | 3.18% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMTON, INC. EIN 16-1554883 THIRD PARTY ADMINISTRATOR | Claims processing; Insurance agents and brokers; Contract Administrator Service code 12 | — | $12K |
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 | 352 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 352 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHNOW NEW YORK, INC. DBA BLUECROSS BLUE SHIELD OF WESTERN NY | 526 | $2.9M |
| Vision | HM LIFE INSURANCE COMPANY OF NEW YORK (DAVIS VISION) | 236 | $27K |
| Life insurance(2 contracts, 2 carriers) | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 352 | $72K |
| Long-term disability | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 352 | $65K |
| Prescription drug | HEALTHNOW NEW YORK, INC. DBA BLUECROSS BLUE SHIELD OF WESTERN NY | 526 | $2.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 526 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.