| 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 | $111K | — | $111K | 2.41% |
| 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 | $11K | — | $11K | 3.80% |
| TITAN INS & EMPLOYEE BENEFITS3 Filed as: TITAN INSURANCE & EMPLOYEES | 1 SOUTH CLINTON AVENUE SUITE 1030 ROCHESTER, NY 14604 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $4K | — | $4K | 3.58% |
| TITAN INSURANCE & EMPLOYEE BENEFITS3 | 1 SOUTH CLINTON AVENUE SUITE 1030 ROCHESTER, NY 14604 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $5K | — | $5K | 7.88% |
| TITAN INSURANCE & EMPLOYEE BENEFITS3 | 1 SOUTH CLINTON AVENUE SUITE 1030 ROCHESTER, NY 14604 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $4K | — | $4K | 6.37% |
| US EMPLOYEE BENEFITS SERVICES GROUP3 Filed as: U.S EMPLOYEE BENEFITS SERVICES | ONE SOUTH CLINTON AVE, STE. 1030 ROCHESTER, NY 14604 | EYEMED | $7K | — | $7K | 17.60% |
| 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 | $3K | $1K | $4K | 15.20% |
| ALLIANCE ADVISORY GRP INC3 | 600 DELEWARE AVE BUFFALO, NY 14202 | THE GUARDIAN LIFE INSURANCE COMPANY | $54 | — | $54 | 0.20% |
| 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 | — | $2K | 9.93% |
| 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 | $0 | — | $0 | 0.00% |
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 | 718 | 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) | 718 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | EXCELLUS BLUECROSS BLUESHIELD | 545 | $4.6M |
| Dental | EXCELLUS BLUECROSS BLUESHIELD | 426 | $289K |
| Vision | EYEMED | 339 | $39K |
| Life insurance | CIGNA LIFE INSURANCE CO. OF NEW YORK | 679 | $116K |
| Long-term disability | CIGNA LIFE INSURANCE CO. OF NEW YORK | 237 | $62K |
| Prescription drug | EXCELLUS BLUECROSS BLUESHIELD | 545 | $4.6M |
| Other(4 contracts, 2 carriers) | CIGNA LIFE INSURANCE CO. OF NEW YORK | 679 | $219K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 679 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.