| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 650 EAST CARMEL DRIVE, SUITE 400 CARMEL, IN 46032 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $35K | $68K | $102K | 14.81% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICES COMPANY INC. | 1820 EAST 1ST STREET SANTA ANA, CA 92705 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 5.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 677 BROADWAY, 4TH FLOOR ALBANY, NY 12207 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 2.62% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | VISION SERVICE PLAN | $9K | $0 | $9K | 10.84% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G. RELPH AGENCY INC. | 800 PARKER HILL DRIVE, SUITE 100 ROCHESTER, NY 14625 | AFLAC | $442 | $0 | $442 | 12.12% |
| DAVID A COLLISON3 Filed as: DAVID A. COLLISON AND VARIOUS AGENT | 46 JOHNSTONE LANE GEORGETOWN, SC 29440 | AFLAC | $33 | $0 | $33 | 0.91% |
| BRENDAN MCCARTHY AND CREW INC3 Filed as: BRENDAN MCCARTHY AND CREW INC. | 39 SAGINAW DRIVE, SUITE 2 ROCHESTER, NY 14623 | AFLAC | $30 | $0 | $30 | 0.82% |
| JEFF DALABA3 | 8500 GILLY FLOWER COURT BALDWINSVILLE, NY 13027 | AFLAC | $23 | $0 | $23 | 0.63% |
| DEBRA PARKER3 Filed as: DEBRA M. PARKER | 20 BOWEN STREET AUBURN, NY 13021 | AFLAC | $22 | $0 | $22 | 0.60% |
| PERRY L KANFER3 Filed as: PERRY L. KANFER | 525 PLUM STREET APARTMENT 506 SYRACUSE, NY 13204 | AFLAC | $10 | $0 | $10 | 0.27% |
| ERIN HOLZSCHUH3 Filed as: ERIN L. HOLZSCHUH | 550 LATONA ROAD, SUITE 140 BUILDING D ROCHESTER, NY 14626 | AFLAC | $10 | $0 | $10 | 0.27% |
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 | 1,300 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 20 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,320 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 489 | $81K |
| Life insurance(2 contracts, 2 carriers) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,300 | $792K |
| Short-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,300 | $690K |
| Long-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,300 | $690K |
| Other(4 contracts, 4 carriers) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,300 | $817K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,300 | — |
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.