| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENE-CARE AGENCY LLC3 Filed as: BENE-CARE INC. | 1260 CREEK STREET WEBSTER, NY 14580 | EXCELLUS BLUE CROSS BLUE SHIELD | $70K | — | $70K | 3.70% |
| BENE-CARE AGENCY LLC3 | 1260 CREEK STREET WEBSTER, NY 14580 | AETNA LIFE INSURANCE CO | $5K | — | $5K | 4.42% |
| BENE-CARE AGENCY LLC3 | 1260 CREEK ST WEBSTER, NY 14580 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 44.33% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY INC | SUITE 400 400 WILLOWBROOK OFFICE PARK FAIRPORT, NY 14450 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 7.50% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 110 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $85 | $85 | 0.40% |
| BENE-CARE AGENCY LLC3 | 1260 CREEK ST WEBSTER, NY 14580 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 63.14% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY INC | SUITE 400 400 WILLOWBROOK OFFICE PARK FAIRPORT, NY 14450 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 10.69% |
| AXA ASSISTANCE, USA5 Filed as: AXA ASSISTANCE USA | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $85 | $85 | 0.57% |
| BENE-CARE AGENCY LLC3 | 1260 CREEK ST WEBSTER, NY 14580 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 79.74% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY INC | SUITE 400 400 WILLOWBROOK OFFICE PARK FAIRPORT, NY 14450 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 13.50% |
| AXA ASSISTANCE, USA5 Filed as: AXA ASSISTANCE USA | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $85 | $85 | 0.71% |
| BENE-CARE AGENCY LLC3 | 1260 CREEK ST WEBSTER, NY 14580 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 97.15% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY INC | SUITE 400 400 WILLOWBROOK OFFICE PARK FAIRPORT, NY 14450 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 16.45% |
| AXA ASSISTANCE, USA5 Filed as: AXA ASSISTANCE USA | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $85 | $85 | 0.87% |
| BENE-CARE AGENCY LLC3 | 1260 CREEK ST WEBSTER, NY 14580 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 225.51% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY INC | SUITE 400 400 WILLOWBROOK OFFICE PARK FAIRPORT, NY 14450 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 38.17% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $85 | $85 | 2.02% |
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 | 383 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 383 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUE CROSS BLUE SHIELD | 195 | $1.9M |
| Dental | AETNA LIFE INSURANCE CO | 383 | $105K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 249 | $15K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 249 | $21K |
| Prescription drug | EXCELLUS BLUE CROSS BLUE SHIELD | 195 | $1.9M |
| Other(3 contracts) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 266 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 383 | — |
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."
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.
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.