| 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 | 5.00% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP | 3 PARKWAY NORTH STE 500 DEERFIELD, IL 60015 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $5K | $5K | 2.45% |
| 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% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP | 3 PARKWAY NORTH STE 500 DEERFIELD, IL 60015 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $2K | $2K | 2.37% |
| RCM AND D3 Filed as: RCM&D | 555 FAIRMOUNT AVENUE BALTIMORE, MD 21286 | ACE AMERICAN INSURANCE COMPANY | $7K | — | $7K | 15.25% |
| TRI COUNTY AGENCY INC3 | 400 WILLOWBROOK OFFICE PK STE 400 FAIRPORT, NY 14450 | HARTFORD LIFE AND ACCIDENT | $4K | $224 | $5K | 21.03% |
| RELPH ROBERT G AGENCY INC3 Filed as: RELPH BENEFIT ADVISORS | 800 PARKER HILL DRIVE STE 100 ROCHESTER, NY 14625 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $987 | — | $987 | 5.00% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP | 3 PARKWAY NORTH STE 500 DEERFIELD, IL 60015 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $475 | $475 | 2.41% |
| J D LUEDTKE INC3 Filed as: J D LUEDTKE, INC. | 313 FOURTH STREET HANOVER, PA 17331 | CONTINENTAL AMERICAN INSURANCE COMPANY | $280 | — | $280 | 3.71% |
| 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 | $274 | — | $274 | 3.63% |
| ANTHONY S ALMODOVAR3 | 438 MYER TERRACE LEOLA, PA 17540 | CONTINENTAL AMERICAN INSURANCE COMPANY | $112 | — | $112 | 1.48% |
| 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 | $64 | — | $64 | 0.85% |
| MG BERGER INC3 Filed as: MG BERGER, INC. | 1020 NORTH DELAWARE AVENUE 4TH FLOOR PHILADELPHIA, PA 19125 | CONTINENTAL AMERICAN INSURANCE COMPANY | $37 | — | $37 | 0.49% |
| RYAN K GOLDBERG3 | 103 CHURCH STREET APARTMENT 3 PHILADELPHIA, PA 19106 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | — | $7 | 0.09% |
| DARREN D RIDDLE3 | 253 MONORCA BEACH WAY NEW SMYRNA BEACH, FL 32169 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.08% |
| MARTIN E BYSTROM3 | 253 MINORCA BEACH WAY #305 NEW SMYRNA BEACH, FL 32169 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.08% |
| ANGELA MASSARELLI3 | 30 WATERFRONT WAY HAMMONTON, NJ 08037 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.05% |
| ANGELA MASSARELLI3 Filed as: ANGELA UMOSELLA | 30 WATERFRONT WAY HAMMONTON, NJ 08037 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.03% |
| RELPH ROBERT G AGENCY INC3 Filed as: RELPH BENEFIT ADVISORS | 800 PARKER HILL DRIVE STE 100 ROCHESTER, NY 14625 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $36 | — | $36 | 4.98% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP | 3 PARKWAY NORTH STE 500 DEERFIELD, IL 60015 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $20 | $20 | 2.77% |
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 | 777 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 777 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ACE AMERICAN INSURANCE COMPANY | 660 | $47K |
| Vision | VISION BENEFITS OF AMERICA | 622 | $72K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 777 | $198K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 14 | $8K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 777 | $103K |
| Other(6 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 777 | $287K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 777 | — |
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.