| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY | 400 WILLOWBROOK OFFICE PARK SUITE 400 FAIRPORT, NY 14450 | EXCELLUS BLUE CROSS BLUE SHIELD | $56K | — | $56K | 3.04% |
| BENE-CARE AGENCY LLC3 Filed as: BENE-CARE AGENCY | 1260 CREEK ST. WEBSTER, NY 14580 | EXCELLUS BLUE CROSS BLUE SHIELD | $13K | — | $13K | 0.71% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY, INC | 400 WILLOWBROOK OFFICE PARK SUITE 400 FAIRPORT, NY 14450 | EXCELLUS BLUE CROSS BLUE SHIELD | $6K | — | $6K | 5.90% |
| BENE-CARE AGENCY LLC3 Filed as: BENE-CARE AGENCY | 1260 CREEK ST. WEBSTER, NY 14580 | EXCELLUS BLUE CROSS BLUE SHIELD | $1K | — | $1K | 1.03% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY INC | 400 WILLOWBROOK OFFICE PARK SUITE 400 FAIRPORT, NY 14450 | LINCOLN LIFE AND ANNUITY COMPANY OF NY | $3K | $291 | $3K | 12.19% |
| BENE-CARE AGENCY LLC3 Filed as: BENE-CARE AGENCY | 1260 CREEK ST. WEBSTER, NY 14580 | LINCOLN LIFE AND ANNUITY COMPANY OF NY | $1K | — | $1K | 3.88% |
| NATIONAL BENEFITS CENTER LLC3 Filed as: NATIONAL BENEFITS CENTER | 6830 COCHRAN ROAD SOLON, OH 44139 | LINCOLN LIFE AND ANNUITY COMPANY OF NY | — | $807 | $807 | 2.96% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY INC | 400 WILLOWBROOK OFFICE PARK SUITE 400 FAIRPORT, NY 14450 | PRUDENTIAL | $5K | — | $5K | 24.93% |
| BENE-CARE AGENCY LLC3 Filed as: BENE-CARE AGENCY | 1260 CREEK ST. WEBSTER, NY 14580 | PRUDENTIAL | $915 | — | $915 | 4.81% |
| AXA ASSISTANCE, USA5 Filed as: AXA ASSISTANCE USA | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL | $0 | $78 | $78 | 0.41% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY, INC. | 400 WILLOWBROOK OFFICE PARK SUITE 400 FAIRPORT, NY 14450 | PRUDENTIAL | $5K | — | $5K | 30.76% |
| BENE-CARE AGENCY LLC3 Filed as: BENE-CARE AGENCY | 1260 CREEK ST. WEBSTER, NY 14580 | PRUDENTIAL | $915 | — | $915 | 5.94% |
| AXA ASSISTANCE, USA5 Filed as: AXA ASSISTANCE USA | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL | — | $78 | $78 | 0.51% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY | 400 WILLOWBROOK OFFICE PARK SUITE 400 FAIRPORT, NY 14450 | PRUDENTIAL | $5K | — | $5K | 34.66% |
| BENE-CARE AGENCY LLC3 Filed as: BENE-CARE AGENCY | 1260 CREEK ST. WEBSTER, NY 14580 | PRUDENTIAL | $915 | — | $915 | 6.69% |
| AXA ASSISTANCE, USA5 Filed as: AXA ASSISTANCE USA | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL | — | $78 | $78 | 0.57% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY | 400 WILLOWBROOK OFFICE PARK SUITE 400 FAIRPORT, NY 14450 | PRUDENTIAL | $5K | — | $5K | 123.97% |
| BENE-CARE AGENCY LLC3 Filed as: BENE-CARE AGENCY | 1260 CREEK ST. WEBSTER, NY 14580 | PRUDENTIAL | $915 | — | $915 | 23.95% |
| AXA ASSISTANCE, USA5 Filed as: AXA ASSISTANCE USA | 122 SOUTH MICHIGAN AVENUE SUITE 110 CHICAGO, IL 60603 | PRUDENTIAL | — | $78 | $78 | 2.04% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY INC | 400 WILLOWBROOK OFFICE PARK SUITE 400 FAIRPORT, NY 14450 | PRUDENTIAL | $5K | — | $5K | 232.89% |
| BENE-CARE AGENCY LLC3 Filed as: BENE-CARE AGENCY | 1260 CREEK ST. WEBSTER, NY 14580 | PRUDENTIAL | $915 | — | $915 | 44.99% |
| AXA ASSISTANCE, USA5 Filed as: AXA ASSISTANCE USA | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL | — | $78 | $78 | 3.83% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY INC. | 400 WILLOWBROOK OFFICE PARK SUITE 400 FAIRPORT, NY 14450 | PRUDENTIAL | $5K | — | $5K | 4386.11% |
| BENE-CARE AGENCY LLC3 Filed as: BENE-CARE AGENCY | 1260 CREEK ST. WEBSTER, NY 14580 | PRUDENTIAL | $915 | — | $915 | 847.22% |
| AXA ASSISTANCE, USA5 Filed as: AXA ASSISTANCE USA | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL | — | $78 | $78 | 72.22% |
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 | 230 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 230 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUE CROSS BLUE SHIELD | 194 | $1.9M |
| Dental | EXCELLUS BLUE CROSS BLUE SHIELD | 25 | $108K |
| Life insurance | PRUDENTIAL | 230 | $14K |
| Long-term disability | PRUDENTIAL | 230 | $19K |
| Other(5 contracts, 2 carriers) | LINCOLN LIFE AND ANNUITY COMPANY OF NY | 230 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 230 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.