| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TITAN INSURANCE & EMPLOYEE BENEFITS3 | 1 SOUTH CLINTON AVE, SUITE 1030 ROCHESTER, NY 14604 | EXCELLUS BLUECROSS BLUESHIELD | $24K | — | $24K | 3.92% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | EXCELLUS BLUECROSS BLUESHIELD | $5K | — | $5K | 0.83% |
| TITAN INSURANCE AGENCY INC3 Filed as: TITAN INSURANCE & BENEFITS | 1 SOUTH CLINTON AVE, SUITE 1030 ROCHESTER, NY 14604 | SUNLIFE AND HEALTH INSURANCE COMPANY | $5K | — | $5K | 5.51% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | SUNLIFE AND HEALTH INSURANCE COMPANY | $1K | — | $1K | 1.24% |
| GUROWSKI, MICHAEL3 | 205 SOUTHSHORE PL WEBSTER, NY 14580 | SUNLIFE AND HEALTH INSURANCE COMPANY | $785 | — | $785 | 0.81% |
| TITAN INSURANCE & EMPLOYEE BENEFITS3 | 1 SOUTH CLINTON AVE, SUITE 1030 ROCHESTER, NY 14604 | THE GUARDIAN LIFE INSRUANCE COMPANY OF AMERICA | $591 | — | $591 | 8.24% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 70 LINDEN OAKS SUITE 310 ROCHESTER, NY 14625 | THE GUARDIAN LIFE INSRUANCE COMPANY OF AMERICA | $126 | $17 | $143 | 1.99% |
| ALLIANCE ADVISORY GRP INC3 Filed as: ALLIANCE ADVISORY GROUP | 350 ESSJAY ROAD WILLIAMSVILLE, NY 14221 | THE GUARDIAN LIFE INSRUANCE COMPANY OF AMERICA | $12 | — | $12 | 0.17% |
| ALLIANCE ADVISORY GRP INC3 Filed as: ALLIANCE ADVISORY GROUP | 600 DELAWARE AVE BUFFALO, NY 14202 | THE GUARDIAN LIFE INSRUANCE COMPANY OF AMERICA | $2 | — | $2 | 0.03% |
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 | 157 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 157 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUECROSS BLUESHIELD | 107 | $623K |
| Dental | SUNLIFE AND HEALTH INSURANCE COMPANY | 157 | $97K |
| Vision | THE GUARDIAN LIFE INSRUANCE COMPANY OF AMERICA | 80 | $7K |
| Life insurance | SUNLIFE AND HEALTH INSURANCE COMPANY | 157 | $97K |
| Short-term disability | SUNLIFE AND HEALTH INSURANCE COMPANY | 157 | $97K |
| Long-term disability | SUNLIFE AND HEALTH INSURANCE COMPANY | 157 | $97K |
| Prescription drug | EXCELLUS BLUECROSS BLUESHIELD | 107 | $623K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 157 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.