| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 181 EAST 5600 SOUTH, SUITE 240 SALT LAKE CITY, UT 84107 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $17K | $25K | $43K | 12.28% |
| ROBERT G. RELPH AGENCY, INC.3 | 400 WILLOWBROOK OFFICE PARK SUITE 400 FAIRPORT, NY 14450 | AFLAC | $1K | — | $1K | 12.03% |
| DEBRA PARKER3 Filed as: DEBRA M. PARKER | 20 BOWEN STREET AUBURN, NY 13021 | AFLAC | $62 | — | $62 | 0.72% |
| JEFF DALABA3 | 8500 GILLY FLOWER COURT BALDWINSVILLE, NY 13027 | AFLAC | $51 | — | $51 | 0.59% |
| MJ INSURANCE3 Filed as: DAVID M COUGHLIN AND VARIOUS AGENTS | 3681 STARBRIGHT LANE LAS VEGAS, NV 89147 | AFLAC | $36 | — | $36 | 0.42% |
| PERRY L KANFER3 Filed as: PERRY L. KANFER | 7695 FOXTAIL LIVERPOOL, NY 13090 | AFLAC | $27 | — | $27 | 0.31% |
| BRENDAN MCCARTHY AND CREW INC3 | 1411 CHILI AVENUE, SUITE 3 ROCHESTER, NY 14624 | AFLAC | $26 | — | $26 | 0.30% |
| DAVID A COLLISON3 Filed as: DAVID A. COLLISON | 46 JOHNSTONE LANE GEORGETOWN, SC 29440 | AFLAC | $15 | — | $15 | 0.17% |
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 | 1,536 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 73 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,609 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,125 | $346K |
| Short-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,125 | $346K |
| Long-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,125 | $346K |
| Other(3 contracts, 3 carriers) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,125 | $369K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,125 | — |
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 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.