| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE HORTON GROUP3 Filed as: THE HORTON GROUP, INC. | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | MVP HEALTHCARE | $52K | — | $52K | 2.51% |
| USRP INSURANCE AGENCY LLC3 | ONE S. CLINTON AVE SUITE 1030 ROCHESTER, NY 14604 | MVP HEALTHCARE | $27K | — | $27K | 1.30% |
| TITAN INS & EMPLOYEE BENEFITS3 Filed as: TITAN INSURANCE AND EMPLOYEE BENEFI | ONE S. CLINTON AVE SUITE 1030 ROCHESTER, NY 14604 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | $9K | $19K | 7.52% |
| 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 | $3K | $4K | $7K | 8.24% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP, INC. | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | GUARDIAN LIFE INSURANCE COMPANY | $6K | — | $6K | 7.39% |
| TITAN INSURANCE & EMPLOYEE BENEFITS3 | 1 SOUTH CLINTON AVENUE SUITE 1030 ROCHESTER, NY 14604 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $1K | $311 | $2K | 4.21% |
| TITAN INSURANCE & EMPLOYEE BENEFITS3 | 1 SOUTH CLINTON AVE SUITE 1030 ROCHESTER, NY 14604 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $1K | $122 | $2K | 11.40% |
| TITAN INSURANCE & EMPLOYEE BENEFITS3 | THE METROPOLITAN STE 1030 ROCHESTER, NY 14604 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $305 | $23 | $328 | 11.00% |
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 | 475 | 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) | 475 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MVP HEALTHCARE | 510 | $2.1M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 367 | $86K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY | 367 | $86K |
| Life insurance | CIGNA LIFE INSURANCE CO. OF NEW YORK | 0 | $37K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 467 | $252K |
| Long-term disability | CIGNA LIFE INSURANCE CO. OF NEW YORK | 0 | $13K |
| Other(3 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY | 367 | $126K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 510 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.