| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT G. RELPH AGENCY, INC. Filed as: ROBERT G RELPH AGENCY INC | 800 PARKER HILL DRIVE SUITE 100 ROCHESTER, NY 14625 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 6.83% |
| GCG FINANCIAL LLC Filed as: ALERA GROUP, INC. | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $648 | $648 | 2.83% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY LLC | 361 DELAWARE AVE BUFFALO, NY 14202 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $399 | — | $399 | 1.74% |
| ALLIANCE ADVISORY GRP INC | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $39 | — | $39 | 0.17% |
| ROBERT G. RELPH AGENCY, INC. Filed as: ROBERT G RELPH AGENCY | 800 PARKER HILL DRIVE ROCHESTER, NY 14625 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $308 | — | $308 | 4.27% |
| RELPH ROBERT G AGENCY INC Filed as: RELPH BENEFIT ADVISORS | 800 PARKER HILL DRIVE ROCHESTER, NY 14625 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $299 | — | $299 | 4.15% |
| LAWLEY BENEFITS GROUP LLC3 | 361 DELAWARE AVE BUFFALO, NY 14202 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $186 | — | $186 | 2.58% |
| BENEFIT ADVISORS NETWORK LLC | 6830 COCHRAN ROAD SOLON, OH 44139 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $66 | $66 | 0.92% |
| ROBERT G. RELPH AGENCY, INC. Filed as: ROBERT G. RELPH AGENCY | 800 PARKER HILL DRIVE ROCHESTER, NY 14625 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $78 | — | $78 | 6.95% |
| RELPH ROBERT G AGENCY INC Filed as: RELPH BENEFIT ADVISORS | 800 PARKER HILL DRIVE SUITE 100 ROCHESTER, NY 14625 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $55 | — | $55 | 4.90% |
| LAWLEY BENEFITS GROUP LLC3 | 361 DELAWARE AVE BUFFALO, NY 14202 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $36 | — | $36 | 3.21% |
| BENEFIT ADVISORS NETWORK LLC | 6830 COCHRAN ROAD SOLON, OH 44139 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $15 | $15 | 1.34% |
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 | 269 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 269 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENT HEALTH BENEFITS CORPORATION | 46 | $312K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 52 | $23K |
| Life insurance | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 222 | $7K |
| Long-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 26 | $1K |
| Prescription drug | INDEPENDENT HEALTH BENEFITS CORPORATION | 46 | $312K |
| Other | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 222 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 222 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.