| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RELPH ROBERT G AGENCY INC3 Filed as: RELPH BENEFIT ADVISORS | 800 PARKER HILL DRIVE SUITE 100 ROCHESTER, NY 14625 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | — | $10K | 4.97% |
| RELPH ROBERT G AGENCY INC3 Filed as: RELPH BENEFIT ADVISORS | 800 PARKER HILL DRIVE SUITE 100 ROCHESTER, NY 14625 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 5.00% |
| 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 | $5K | — | $5K | 20.00% |
| RCM AND D3 Filed as: RCM&D | 555 FAIRMOUNT AVENUE BALTIMORE, MD 21286 | ACE AMERICAN INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| RELPH ROBERT G AGENCY INC3 Filed as: RELPH BENEFIT ADVISORS | 800 PARKER HILL DRIVE STE 100 ROCHESTER, NY 14625 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $917 | — | $917 | 5.00% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY, INC. | 800 PARKER HILL DRIVE SUITE 100 ROCHESTER, NY 14625 | CONTINENTAL AMERICAN INSURANCE COMPANY | $448 | — | $448 | 6.02% |
| C H ROBINSON & ASSOCIATES INC3 Filed as: C H ROBINSON & ASSOCIATES, INC. | 4735 NW 53 AVENUE SUITE A GAINESVILLE, FL 32653 | CONTINENTAL AMERICAN INSURANCE COMPANY | $294 | — | $294 | 3.95% |
| J D LUEDTKE INC3 Filed as: J D LUEDTKE, INC. | 313 FOURTH STREET HANOVER, PA 17331 | CONTINENTAL AMERICAN INSURANCE COMPANY | $289 | — | $289 | 3.89% |
| ANTHONY S ALMODOVAR3 | 3605 VARTAN WAY SUITE 304 HARRISBURG, PA 17110 | CONTINENTAL AMERICAN INSURANCE COMPANY | $118 | — | $118 | 1.59% |
| MG BERGER INC3 Filed as: MG BERGER, INC. | 1020 NORTH DELAWARE AVENUE 4TH FLOOR PHILADELPHIA, PA 19125 | CONTINENTAL AMERICAN INSURANCE COMPANY | $29 | — | $29 | 0.39% |
| RYAN K GOLDBERG3 | 103 CHURCH STREET APARTMENT 3 PHILADELPHIA, PA 19106 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.11% |
| DARREN D RIDDLE3 | 7850 AVONDALE TERRACE HARRISBURG, PA 17112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | — | $7 | 0.09% |
| ANGELA MASSARELLI3 | 432 TUVIRA LANE CHERRY HILL, NJ 08003 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | — | $7 | 0.09% |
| MARTIN E BYSTROM3 | 333 OVERLOOK LANE GULPH MILLS, PA 19428 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | — | $7 | 0.09% |
| RCM AND D3 Filed as: RCM&D | 555 FAIRMOUNT AVENUE BALTIMORE, MD 21286 | ACE AMERICAN INSURANCE COMPANY | $662 | — | $662 | 14.99% |
| RELPH ROBERT G AGENCY INC3 Filed as: RELPH BENEFIT ADVISORS | 800 PARKER HILL DRIVE STE 100 ROCHESTER, NY 14625 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $51 | — | $51 | 5.02% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $14 | — | $14 | 1.38% |
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 | 759 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 759 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ACE AMERICAN INSURANCE COMPANY | 550 | $23K |
| Vision | VISION BENEFITS OF AMERICA | 582 | $112K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 759 | $191K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 19 | $7K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 759 | $93K |
| Other(5 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 759 | $241K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 759 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.