| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TITAN INS & EMPLOYEE BENEFITS3 Filed as: TITAN INS DBA US EMPL BENEFITS SVC | 1 SOUTH CLINTON AVE, SUITE 1030 ROCHESTER, NY 14604 | EXCELLUS BLUECROSS BLUESHIELD | $96K | — | $96K | 2.60% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 100 MERIDIAN CENTRE BLVD, SUITE 100 ROCHESTER, NY 14618 | EXCELLUS BLUECROSS BLUESHIELD | $26K | — | $26K | 0.71% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: EXCELLUS BLUECROSS BLUESHIELD | 85 METRO PARK SUITE 100 ROCHESTER, NY 14623 | EXCELLUS BLUE CROSS BLUE SHIELD | $10K | — | $10K | 4.24% |
| US EMPLOYEE BENEFITS SERVICES GROUP3 Filed as: U.S EMPLOYEE BENEFITS SERVICES GROU | ONE SOUTH CLINTON AVE, STE. 1030 ROCHESTER, NY 14604 | EYEMED VISION CARE | $2K | — | $2K | 8.83% |
| TITAN INS & EMPLOYEE BENEFITS3 | 1 SOUTH CLINTON ST STE 1030 ROCHESTER, NY 14604 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $1K | $513 | $2K | 16.99% |
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 | 802 | 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) | 802 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUECROSS BLUESHIELD | 298 | $3.7M |
| Dental | EXCELLUS BLUE CROSS BLUE SHIELD | 356 | $236K |
| Vision | EYEMED VISION CARE | 170 | $24K |
| Life insurance | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 802 | $10K |
| Prescription drug | EXCELLUS BLUECROSS BLUESHIELD | 298 | $3.7M |
| Other | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 802 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 802 | — |
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.