| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY INC | 800 PARKER HILL DRIVE STE 100 ROCHESTER, NY 14625 | AETNA LIFE INSURANCE CO. | $134K | $16K | $150K | 2.80% |
| GCG FINANCIAL LLC3 Filed as: CLARITY AN ALERA GROUP COMPANY LLC | PO BOX 46122 EDEN PRAIRIE, MN 55347 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $89K | — | $89K | 57.01% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY INC | 22113 FABCO RD WATERTOWN, NY 13601 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $34K | — | $34K | 21.62% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY INC | 800 PARKER HILL DRIVE STE 100 ROCHESTER, NY 14625 | DELTA DENTAL OF NEW YORK | $14K | — | $14K | 10.00% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY INC | 800 PARKER HILL DRIVE STE 100 ROCHESTER, NY 14625 | MUTUAL OF OMAHA INSURANCE COMPANY | $8K | $2K | $11K | 19.17% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH BLVD STE 500 DEERFIELD, IL 60015 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $386 | $386 | 0.69% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY INC | 800 PARKER HILL DRIVE STE 100 ROCHESTER, NY 14625 | COMPANION LIFE INSURANCE COMPANY | $8K | $3K | $11K | 20.00% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH BLVD STE 500 DEERFIELD, IL 60015 | COMPANION LIFE INSURANCE COMPANY | — | $456 | $456 | 0.83% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY INC | 800 PARKER HILL DRIVE STE 100 ROCHESTER, NY 14625 | MUTUAL OF OMAHA INSURANCE COMPANY | $8K | $2K | $10K | 18.20% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH BLVD STE 500 DEERFIELD, IL 60015 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $283 | $283 | 0.53% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY INC | 800 PARKER HILL DRIVE STE 100 ROCHESTER, NY 14625 | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK (EYEMED) | $1K | — | $1K | 6.04% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY INC | 800 PARKER HILL DRIVE STE 100 ROCHESTER, NY 14625 | MUTUAL OF OMAHA INSURANCE COMPANY | $971 | $317 | $1K | 19.89% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH BLVD STE 500 DEERFIELD, IL 60015 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $53 | $53 | 0.82% |
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 | 391 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 391 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 490 | $5.4M |
| Dental | DELTA DENTAL OF NEW YORK | 432 | $144K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK (EYEMED) | 308 | $19K |
| Life insurance(2 contracts, 2 carriers) | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | 218 | $210K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 163 | $53K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 129 | $56K |
| Other(2 contracts, 2 carriers) | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | 218 | $162K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 490 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.