| 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 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $366K | — | $366K | 1.56% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY INC | 800 PARKER HILL DRIVE STE 100 ROCHESTER, NY 14625 | HARTFORD LIFE AND ACCIDENT | $151K | — | $151K | 9.75% |
| INDIGO INSURANCE SERVICES3 Filed as: INDIGO INSURANCE SERVICES LLC | 100 FRONT STREET 20TH FL WORCESTER, MA 01608 | HARTFORD LIFE AND ACCIDENT | — | $73K | $73K | 4.68% |
| US BENETEC WORKPLACE SOLUTIONS3 Filed as: US BENETEC WORKPLACE SOLUTIONS LLC | 700 W HILLSBORO BLVD STE 2-102 DEERFIELD BEACH, FL 33441 | HARTFORD LIFE AND ACCIDENT | $15K | $234 | $15K | 0.96% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH STE 500 DEERFIELD, IL 60015 | HARTFORD LIFE AND ACCIDENT | — | $8K | $8K | 0.51% |
| LANDMARK BENEFITS INC3 Filed as: LANDMARK BENEFITS | AN ALERA GROUP AGENCY LLC 1001 ELM STREET STE 301 MANCHESTER, NH 03101 | HARTFORD LIFE AND ACCIDENT | $222 | — | $222 | 0.01% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY INC | 800 PARKER HILL DRIVE STE 100 ROCHESTER, NY 14625 | DELTA DENTAL OF NEW JERSEY, INC. | $71K | — | $71K | 5.75% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | 200 LIBERTY STREET NEW YORK, NY 10281 | FEDERAL INSURANCE COMPANY | $3K | — | $3K | 25.00% |
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 | 1,562 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,562 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 3,221 | $23.5M |
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 3,143 | $1.2M |
| Vision | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 3,221 | $23.5M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,791 | $1.5M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 1,791 | $1.5M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,791 | $1.5M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,791 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,221 | — |
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."
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.