| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USRP INSURANCE AGENCY LLC3 | ONE S. CLINTON AVE SUITE 1030 ROCHESTER, NY 14604 | MVP HEALTHCARE | $76K | — | $76K | 3.94% |
| TITAN INS & EMPLOYEE BENEFITS3 Filed as: TITAN INSURANCE AND EMPLOYEE BENEFI | ONE S.CLINTON AVE SUITE 1030 THE ME ROCHESTER, NY 14604 | GUARDIAN LIFE INSURANCE COMPANY | $8K | $5K | $13K | 18.05% |
| TITAN INSURANCE & EMPLOYEE BENEFITS3 | 1 SOUTH CLINTON AVENUE SUITE 1030 ROCHESTER, NY 14604 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $4K | — | $4K | 6.50% |
| TITAN INSURANCE & EMPLOYEE BENEFITS3 | THE METROPOLITAN STE 1030 ROCHESTER, NY 14604 | FIRST UNUM LIFE INSURANCE COMPANY | $5K | — | $5K | 14.83% |
| TITAN INSURANCE & EMPLOYEE BENEFITS3 | 1 SOUTH CLINTON AVE SUITE 1030 ROCHESTER, NY 14604 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $3K | — | $3K | 13.61% |
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 | 448 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 448 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MVP HEALTHCARE | 567 | $1.9M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 389 | $71K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY | 389 | $71K |
| Life insurance | CIGNA LIFE INSURANCE CO. OF NEW YORK | 448 | $63K |
| Long-term disability | CIGNA LIFE INSURANCE CO. OF NEW YORK | 144 | $21K |
| Other(2 contracts, 2 carriers) | CIGNA LIFE INSURANCE CO. OF NEW YORK | 448 | $95K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 567 | — |
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."
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.