| 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 | $28K | $51K | $80K | 13.99% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY, INC. | 1820 EAST 1ST STREET, SUITE 400 SANTA ANA, CA 92705 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $34K | $0 | $34K | 19.83% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 677 BROADWAY, 4TH FLOOR ALBANY, NY 12207 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $18K | $0 | $18K | 10.23% |
| ROBERT G. RELPH AGENCY, INC.3 | 400 WILLOWBROOK OFFICE PARK SUITE 400 FAIRPORT, NY 14450 | AFLAC | $565 | $0 | $565 | 9.75% |
| MJ INSURANCE3 Filed as: DAVID COLLISION AND VARIOUS AGENTS | 46 JOHNSTONE LANE GEORGETOWN, SC 29440 | AFLAC | $45 | $0 | $45 | 0.78% |
| JEFF DALABA3 | 8500 GILLY FLOWER COURT BALDWINSVILLE, NY 13027 | AFLAC | $31 | $0 | $31 | 0.54% |
| DEBRA PARKER3 Filed as: DEBRA M. PARKER | 20 BOWEN STREET AUBURN, NY 13021 | AFLAC | $27 | $0 | $27 | 0.47% |
| BRENDAN MCCARTHY AND CREW INC3 Filed as: BRENDAN MCCARTHY AND CREW, INC. | 39 SAGINAW DRIVE, SUITE 2 ROCHESTER, NY 14623 | AFLAC | $25 | $0 | $25 | 0.43% |
| PERRY L KANFER3 Filed as: PERRY L. KANFER | 5918 EAST SENECA TURNPIKE JAMESVILLE, NY 13078 | AFLAC | $14 | $0 | $14 | 0.24% |
| ERIN HOLZSCHUH3 Filed as: ERIN L. HOLZSCHUH | 550 LATONA ROAD, SUITE 410 BUILDING D ROCHESTER, NY 14626 | AFLAC | $12 | $0 | $12 | 0.21% |
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 | 1,271 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,271 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,271 | $742K |
| Short-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,271 | $569K |
| Long-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,271 | $569K |
| Other(4 contracts, 4 carriers) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,271 | $764K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,271 | — |
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.