| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TITAN INSURANCE & EMPLOYEE BENEFITS3 Filed as: TITAN INSURANCE & EMPLOYEE AGENCY | 1 S CLINTON AVENUE STE 1030 THE MET ROCHESTER, NY 14604 | UNUM LIFE INSURANCE COMPANY | $20K | $5K | $25K | 3.41% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NY | 49 EAST AVENUE ROCHESTER, NY 14604 | UNUM LIFE INSURANCE COMPANY | $6K | $2K | $7K | 1.01% |
| TITAN INSURANCE & EMPLOYEE BENEFITS3 | 1 SOUTH CLINTON AVENUE SUITE 1030 ROCHESTER, NY 14604 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $1K | — | $1K | 5.43% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK, INC. | 45 EAST AVENUE ROCHESTER, NY 14604 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $866 | $63 | $929 | 3.96% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 1166 AVE OF THE AMERICAS NEW YORK, NY 10036 | NATIONAL UNION | $451 | — | $451 | 25.00% |
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 | 2,680 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 808 | Continuation coverage (COBRA, retiree health). |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 3,488 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNUM LIFE INSURANCE COMPANY | 2,680 | $738K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY | 2,680 | $738K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY | 2,680 | $763K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,680 | — |
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.