| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BURNHAM BENEFITS INSURANCE SERVICES3 Filed as: BURNHAM BENEFITS INS SVCS INC | 2211 MICHELSON DR STE 1200 IRVINE, CA 92612 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $173K | $173K | 3.09% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY INC | 800 PARKER HILL DRIVE STE 100 ROCHESTER, NY 14625 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $107K | $107K | 1.91% |
| BURNHAM BENEFITS INSURANCE SERVICES3 Filed as: BURNHAM BENEFITS INS SERVICES | 2211 MICHELSON DR STE 1200 IRVINE, CA 92612 | METROPOLITAN LIFE INSURANCE COMPANY | $37K | $16K | $53K | 14.03% |
| 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 | $24K | $2K | $26K | 6.81% |
| BURNHAM BENEFITS INSURANCE SERVICES3 Filed as: BURNHAM BENEFITS INS SVCS INC | 2211 MICHELSON DR STE 1200 IRVINE, CA 92612 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $20K | — | $20K | 5.59% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY INC | 800 PARKER HILL DRIVE STE 100 ROCHESTER, NY 14625 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $15K | — | $15K | 4.31% |
| BURNHAM BENEFITS INSURANCE SERVICES3 Filed as: BURNHAM BENEFITS INS SERVICES | 2211 MICHELSON DR STE 1200 IRVINE, CA 92612 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $462 | $2K | 7.40% |
| 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 | $1K | $102 | $1K | 3.89% |
| BURNHAM BENEFITS INSURANCE SERVICES3 Filed as: BURNHAM BENEFITS INS SVCS INC | 2211 MICHELSON DR STE 1200 IRVINE, CA 92612 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | $471 | — | $471 | 5.78% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY INC | 800 PARKER HILL DRIVE STE 100 ROCHESTER, NY 14625 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | $344 | — | $344 | 4.22% |
| BURNHAM BENEFITS INSURANCE SERVICES3 Filed as: BURNHAM BENEFITS INS SVCS INC | 2211 MICHELSON DR STE 1200 IRVINE, CA 92612 | CIGNA DENTAL HEALTH OF TEXAS, INC. | $439 | — | $439 | 5.77% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY INC | 800 PARKER HILL DRIVE STE 100 ROCHESTER, NY 14625 | CIGNA DENTAL HEALTH OF TEXAS, INC. | $321 | — | $321 | 4.22% |
| BURNHAM BENEFITS INSURANCE SERVICES3 Filed as: BURNHAM BENEFITS INS SVCS INC | 2211 MICHELSON DR STE 1200 IRVINE, CA 92612 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | $386 | — | $386 | 5.78% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY INC | 800 PARKER HILL DRIVE STE 100 ROCHESTER, NY 14625 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | $282 | — | $282 | 4.22% |
| BURNHAM BENEFITS INSURANCE SERVICES3 Filed as: BURNHAM BENEFITS INS SVCS INC | 2211 MICHELSON DR STE 1200 IRVINE, CA 92612 | CIGNA DENTAL HEALTH OF NORTH CAROLINA, INC. | $273 | — | $273 | 5.77% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY INC | 800 PARKER HILL DRIVE STE 100 ROCHESTER, NY 14625 | CIGNA DENTAL HEALTH OF NORTH CAROLINA, INC. | $200 | — | $200 | 4.23% |
| BURNHAM BENEFITS INSURANCE SERVICES3 Filed as: BURNHAM BENEFITS INS SVCS INC | 2211 MICHELSON DR STE 1200 IRVINE, CA 92612 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | $203 | — | $203 | 5.79% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY INC | 800 PARKER HILL DRIVE STE 100 ROCHESTER, NY 14625 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | $148 | — | $148 | 4.22% |
| BURNHAM BENEFITS INSURANCE SERVICES3 Filed as: BURNHAM BENEFITS INS SVCS INC | 2211 MICHELSON DR STE 1200 IRVINE, CA 92612 | CIGNA DENTAL HEALTH OF COLORADO, INC. | $176 | — | $176 | 5.79% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY INC | 800 PARKER HILL DRIVE STE 100 ROCHESTER, NY 14625 | CIGNA DENTAL HEALTH OF COLORADO, INC. | $128 | — | $128 | 4.21% |
| BURNHAM BENEFITS INSURANCE SERVICES3 Filed as: BURNHAM BENEFITS INS SVCS INC | 2211 MICHELSON DR STE 1200 IRVINE, CA 92612 | CIGNA DENTAL HEALTH OF KENTUCKY, INC. | $156 | — | $156 | 5.77% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY INC | 800 PARKER HILL DRIVE STE 100 ROCHESTER, NY 14625 | CIGNA DENTAL HEALTH OF KENTUCKY, INC. | $114 | — | $114 | 4.22% |
| BURNHAM BENEFITS INSURANCE SERVICES3 Filed as: BURNHAM BENEFITS INS SVCS INC | 2211 MICHELSON DR STE 1200 IRVINE, CA 92612 | CIGNA DENTAL HEALTH OF PENNSYLVANIA, INC. | $156 | — | $156 | 5.77% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY INC | 800 PARKER HILL DRIVE STE 100 ROCHESTER, NY 14625 | CIGNA DENTAL HEALTH OF PENNSYLVANIA, INC. | $114 | — | $114 | 4.22% |
| BURNHAM BENEFITS INSURANCE SERVICES3 Filed as: BURNHAM BENEFITS INS SVCS INC | 2211 MICHELSON DR STE 1200 IRVINE, CA 92612 | CIGNA DENTAL HEALTH OF VIRGINIA, INC. | $146 | — | $146 | 5.76% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY INC | 800 PARKER HILL DRIVE STE 100 ROCHESTER, NY 14625 | CIGNA DENTAL HEALTH OF VIRGINIA, INC. | $107 | — | $107 | 4.22% |
| BURNHAM BENEFITS INSURANCE SERVICES3 Filed as: BURNHAM BENEFITS INS SVCS INC | 2211 MICHELSON DR STE 1200 IRVINE, CA 92612 | CIGNA DENTAL HEALTH PLAN OF ARIZONA, INC. | $95 | — | $95 | 5.76% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY INC | 800 PARKER HILL DRIVE STE 100 ROCHESTER, NY 14625 | CIGNA DENTAL HEALTH PLAN OF ARIZONA, INC. | $70 | — | $70 | 4.25% |
| BURNHAM BENEFITS INSURANCE SERVICES3 Filed as: BURNHAM BENEFITS INS SVCS INC | 2211 MICHELSON DR STE 1200 IRVINE, CA 92612 | CIGNA DENTAL HEALTH OF MISSOURI, INC. | $29 | — | $29 | 5.72% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY INC | 800 PARKER HILL DRIVE STE 100 ROCHESTER, NY 14625 | CIGNA DENTAL HEALTH OF MISSOURI, INC. | $21 | — | $21 | 4.14% |
| BURNHAM BENEFITS INSURANCE SERVICES3 Filed as: BURNHAM BENEFITS INS SVCS INC | 2211 MICHELSON DR STE 1200 IRVINE, CA 92612 | CIGNA DENTAL HEALTH OF OHIO, INC. | $29 | — | $29 | 5.72% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY INC | 800 PARKER HILL DRIVE STE 100 ROCHESTER, NY 14625 | CIGNA DENTAL HEALTH OF OHIO, INC. | $21 | — | $21 | 4.14% |
| BURNHAM BENEFITS INSURANCE SERVICES3 Filed as: BURNHAM BENEFITS INS SVCS INC | 2211 MICHELSON DR STE 1200 IRVINE, CA 92612 | CIGNA HEALTHCARE OF CONNECTICUT, INC. | $29 | — | $29 | 5.72% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY INC | 800 PARKER HILL DRIVE STE 100 ROCHESTER, NY 14625 | CIGNA HEALTHCARE OF CONNECTICUT, INC. | $21 | — | $21 | 4.14% |
| BURNHAM BENEFITS INSURANCE SERVICES3 Filed as: BURNHAM BENEFITS INS SVCS INC | 2211 MICHELSON DR STE 1200 IRVINE, CA 92612 | CIGNA DENTAL HEALTH OF KANSAS, INC. | $22 | — | $22 | 5.79% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY INC | 800 PARKER HILL DRIVE STE 100 ROCHESTER, NY 14625 | CIGNA DENTAL HEALTH OF KANSAS, INC. | $16 | — | $16 | 4.21% |
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 | 563 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 569 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 713 | $5.6M |
| Dental(15 contracts, 15 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 575 | $398K |
| Vision(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 820 | $407K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 820 | $379K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 820 | $379K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 820 | $379K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 820 | $379K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 820 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.