| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TITAN INSURANCE3 | 1 SOUTH CLINTON AVE SUITE 1030 ROCHESTER, NY 14604 | NEW YORK LIFE INSURANCE COMPANY OF NY | $6K | $822 | $6K | 4.23% |
| TITAN INSURANCE3 | 1 SOUTH CLINTON AVE SUITE 1030 ROCHESTER, NY 14604 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $4K | $346 | $5K | 6.20% |
| TITAN INSURANCE3 | 1 SOUTH CLINTON AVE SUITE 1030 ROCHESTER, NY 14604 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $5K | $343 | $6K | 8.54% |
| US EMPLOYEE BENEFITS SERVICES GROUP3 | 1 SOUTH CLINTON AVE STE 1030 ROCHESTER, NY 14604 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INS CO OF NY | $6K | $6K | $11K | 18.04% |
| TITAN INSURANCE3 | 1 SOUTH CLINTON AVE STE 1030 ROCHESTER, NY 14604 | NEWYORK LIFE GROUP INSURANCE COMPANY OF NY | $2K | — | $2K | 3.84% |
| TITAN INSURANCE3 | 1 SOUTH CLINTON AVE SUITE 1030 ROCHESTER, NY 14604 | NEW YORK GROUP INSURANCE COMPANY OF NY | $2K | $218 | $2K | 10.28% |
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 | 868 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 868 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INS CO OF NY | 939 | $61K |
| Life insurance | NEW YORK LIFE INSURANCE COMPANY OF NY | 868 | $153K |
| Short-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 327 | $74K |
| Long-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 293 | $67K |
| Other(3 contracts, 3 carriers) | NEWYORK LIFE GROUP INSURANCE COMPANY OF NY | 882 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 939 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.