| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TITAN INS & EMPLOYEE BENEFITS3 Filed as: TITAN INSURANCE DBA EMPL BENEFIT SV | 1 SOUTH CLINTON AVE, SUITE 1030 ROCHESTER, NY 14604 | EXCELLUS BLUE CROSS BLUE SHIELD | $33K | — | $33K | 2.56% |
| ASSUREDPARTNERS3 Filed as: AP BENEFIT ADVISORS LLC DBA ENV INS | 7789 OSWEGO RD LIVERPOOL, NY 13090 | EXCELLUS BLUE CROSS BLUE SHIELD | $15K | — | $15K | 1.14% |
| TITAN INS & EMPLOYEE BENEFITS3 Filed as: TITAN INSURANCE AND EMPLOYEE BENEF | 1 SOUTH CLINTON AVE, SUITE 1030 ROCHESTER, NY 14604 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $8K | $12K | 10.27% |
| AP BENEFIT ADVISORS, LLC3 | 7789 OSWEGO RD LIVERPOOL, NY 13090 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $641 | — | $641 | 0.57% |
| TITAN INS & EMPLOYEE BENEFITS3 Filed as: TITAN ISURANCE & EMPLOYEE BENEFITS | 1 SOUTH CLINTON AVE, SUITE 1030 ROCHESTER, NY 14604 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $3K | $2K | $5K | 12.97% |
| TITAN INSURANCE & EMPLOYEE BENEFITS3 Filed as: TITAN INSURANCE & EMPLOYEE | 1 SOUTH CLINTON AVENUE SUITE 1030 ROCHESTER, NY 14604 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $2K | $1K | $3K | 14.05% |
| TITAN INSURANCE & EMPLOYEE BENEFITS3 | 1 SOUTH CLINTON AVE, SUITE 1030 ROCHESTER, NY 14604 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $1K | $594 | $2K | 18.28% |
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 | 147 | 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) | 147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUE CROSS BLUE SHIELD | 135 | $1.3M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 147 | $113K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 147 | $113K |
| Short-term disability | CIGNA LIFE INSURANCE CO. OF NEW YORK | 91 | $19K |
| Long-term disability | CIGNA LIFE INSURANCE CO. OF NEW YORK | 71 | $11K |
| Prescription drug | EXCELLUS BLUE CROSS BLUE SHIELD | 135 | $1.3M |
| Other | CIGNA LIFE INSURANCE CO. OF NEW YORK | 105 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 147 | — |
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.
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.