| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT G. RELPH AGENCY, INC.3 | 800 PARKER HILL DRIVE SUITE 100 ROCHESTER, NY 14625 | MVP HEALTH CARE | $69K | — | $69K | 4.57% |
| ROBERT G. RELPH AGENCY, INC.3 | 800 PARKER HILL DRIVE SUITE 100 ROCHESTER, NY 14625 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 5.62% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH STE 500 DEERFIELD, IL 60015 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 3.89% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY, INC | 800 PARKER HILL DRIVE SUITE 100 ROCHESTER, NY 14625 | MUTUAL OF OMAHA INSURANCE COMPANY | $987 | $478 | $1K | 14.85% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK EAST DRIVE STE 350 BEACHWOOD, OH 44122 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $319 | $319 | 3.23% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY, INC | 800 PARKER HILL DRIVE SUITE 100 ROCHESTER, NY 14625 | COMPANION LIFE INSURANCE COMPANY | $985 | $475 | $1K | 14.82% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK EAST DRIVE STE 350 BEACHWOOD, OH 44122 | COMPANION LIFE INSURANCE COMPANY | — | $316 | $316 | 3.21% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY, INC | 800 PARKER HILL DRIVE SUITE 100 ROCHESTER, NY 14625 | MUTUAL OF OMAHA INSURANCE COMPANY | $859 | $415 | $1K | 14.83% |
| NATIONAL BENEFIT CENTER3 | 3700 PARKE EAST DRIVE STE 350 BEACHWOOD, OH 44122 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $277 | $277 | 3.22% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY, INC | 800 PARKER HILL DRIVE SUITE 100 ROCHESTER, NY 14625 | COMPANION LIFE INSURANCE COMPANY | $630 | $236 | $866 | 13.74% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK EAST DRIVE STE 350 BEACHWOOD, OH 44122 | COMPANION LIFE INSURANCE COMPANY | — | $157 | $157 | 2.49% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY, INC | 800 PARKER HILL DRIVE SUITE 100 ROCHESTER, NY 14625 | MUTUAL OF OMAHA INSURANCE COMPANY | $217 | $98 | $315 | 14.52% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK EAST DRIVE STE 350 BEACHWOOD, OH 44122 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $65 | $65 | 3.00% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY INC | 800 PARKER HILL DRIVE STE 100 ROCHESTER, NY 14625 | METROPOLITAN LIFE INSURANCE COMPANY | $241 | $24 | $265 | 12.96% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY, INC | 800 PARKER HILL DRIVE SUITE 100 ROCHESTER, NY 14625 | MUTUAL OF OMAHA INSURANCE COMPANY | $63 | $31 | $94 | 14.99% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK EAST DRIVE STE 350 BEACHWOOD, OH 44122 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $20 | $20 | 3.19% |
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 | 210 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 210 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MVP HEALTH CARE | 152 | $1.5M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 93 | $65K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 93 | $65K |
| Life insurance(2 contracts) | COMPANION LIFE INSURANCE COMPANY | 210 | $16K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 36 | $10K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 33 | $9K |
| Other(3 contracts, 2 carriers) | MUTUAL OF OMAHA INSURANCE COMPANY | 210 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 210 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.