| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE, INC. | 650 EAST CARMEL DRIVE, SUITE 400 CARMEL, IN 46032 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $29K | $61K | $91K | 15.49% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE, INC. | 650 EAST CARMEL DRIVE, SUITE 400 CARMEL, IN 46032 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $23K | $52K | $75K | 16.41% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICES COMPANY INC. | 1820 EAST 1ST STREET, SUITE 400 SANTA ANA, CA 92705 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $6K | $0 | $6K | 4.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE, INC. | 677 BROADWAY, 4TH FLOOR ALBANY, NY 12207 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 2.58% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE, INC. | PO BOX 95287 CHICAGO, IL 60694 | VISION SERVICE PLAN | $9K | $0 | $9K | 9.91% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICES COMPANY INC. | 1820 EAST 1ST STREET, SUITE 400 SANTA ANA, CA 92705 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $829 | $0 | $829 | 4.77% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE, INC. | 677 BROADWAY, 4TH FLOOR ALBANY, NY 12207 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $430 | $0 | $430 | 2.48% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G. RELPH AGENCY INC. | 800 PARKER HILL DRIVE, SUITE 100 ROCHESTER, NY 14625 | AFLAC | $556 | $0 | $556 | 11.65% |
| BRENDAN MCCARTHY AND CREW INC3 Filed as: BRENDAN MCCARTHY AND CREW INC. | 39 SAGINAW DRIVE, SUITE 2 ROCHESTER, NY 14623 | AFLAC | $54 | $4 | $58 | 1.21% |
| MJ INSURANCE3 Filed as: PERRY L. KANFER AND VARIOUS AGENTS | 525 PLUM STREET, APARTMENT 506 SYRACUSE, NY 13204 | AFLAC | $37 | $0 | $37 | 0.78% |
| JEFF DALABA3 | 8500 GILLY FLOWER COURT BALDWINVILLE, NY 13027 | AFLAC | $25 | $0 | $25 | 0.52% |
| DEBRA PARKER Filed as: DEBRA M. PARKER | 20 BOWEN STREET AUBURN, NY 13021 | AFLAC | $24 | $0 | $24 | 0.50% |
| ERIN HOLZSCHUH3 Filed as: ERIN L. HOLZSCHUH | 550 LATONA ROAD, SUITE 410 BUILDING D ROCHESTER, NY 14626 | AFLAC | $12 | $0 | $12 | 0.25% |
| DAVID A COLLISON3 Filed as: DAVID A. COLLISON | 46 JOHNSTONE LANE GEORGETOWN, SC 29440 | AFLAC | $11 | $0 | $11 | 0.23% |
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 | 1,402 | 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) | 1,402 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 560 | $92K |
| Life insurance(5 contracts, 3 carriers) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,402 | $1.2M |
| Short-term disability(3 contracts, 2 carriers) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,402 | $1.0M |
| Long-term disability(3 contracts, 2 carriers) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,402 | $1.0M |
| Other(8 contracts, 5 carriers) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,402 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,402 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.