| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 Filed as: M & T INSURANCE AGENCY | 101 S SALINA STREET 4TH FL SYRACUSE, NY 13202 | EXCELLUS BLUECROSS BLUESHIELD | $20K | — | $20K | 2.34% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY, INC. | 400 WILLOWBROOK OFFICE PK STE 400 FAIRPORT, NY 14450 | EXCELLUS BLUECROSS BLUESHIELD | $17K | — | $17K | 1.95% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: M & T INSURANCE AGENCY | 101 S SALINA STREET 4TH FL SYRACUSE, NY 13202 | EXCELLUS BLUECROSS BLUESHIELD | $3K | — | $3K | 5.54% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY, INC. | 400 WILLOWBROOK OFFICE PK STE 400 FAIRPORT, NY 14450 | EXCELLUS BLUECROSS BLUESHIELD | $2K | — | $2K | 3.24% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: M & T INSURANCE AGENCY, INC. | 285 DELAWARE AVE STE 4000 BUFFALO, NY 14202 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $631 | — | $631 | 5.72% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY, INC. | 400 WILLOWBROOK OFFICE PK STE 400 FAIRPORT, NY 14450 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $473 | — | $473 | 4.28% |
| ALLIANCE ADVISORY GRP INC3 Filed as: ALLIANCE ADVISORY GROUP | 600 DELAWARE AVE BUFFALO, NY 14202 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $22 | — | $22 | 0.20% |
| ONEGROUP NY INC3 Filed as: ONEGROUP NY INC. | 706 N CLINTON STREET SYRACUSE, NY 13204 | SUN LIFE AND HEALTH INSURANCE COMPANY (US) | $503 | — | $503 | 7.37% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY, INC. | 400 WILLOWBROOK OFFICE PK STE 400 FAIRPORT, NY 14450 | SUN LIFE AND HEALTH INSURANCE COMPANY (US) | $429 | — | $429 | 6.28% |
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 | 107 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 107 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUECROSS BLUESHIELD | 78 | $865K |
| Dental | EXCELLUS BLUECROSS BLUESHIELD | 81 | $58K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 70 | $11K |
| Life insurance | SUN LIFE AND HEALTH INSURANCE COMPANY (US) | 107 | $7K |
| Prescription drug | EXCELLUS BLUECROSS BLUESHIELD | 78 | $865K |
| Other | SUN LIFE AND HEALTH INSURANCE COMPANY (US) | 107 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 107 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.