| 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 | $46K | — | $46K | 4.19% |
| TITAN INSURANCE & EMPLOYEE BENEFITS3 | — | EXCELLUS BLUECROSS BLUESHIELD | $0 | — | $0 | 0.00% |
| TITAN INSURANCE & EMPLOYEE BENEFITS3 | 1 SOUTH CLINTON AVE, SUITE 1030 ROCHESTER, NY 14604 | THE GUARDIAN LIFE INSRUANCE COMPANY OF AMERICA | $3K | $359 | $4K | 6.13% |
| ALLIANCE ADVISORY GRP INC3 Filed as: ALLIANCE ADVISORY GROUP | 350 ESSJAY ROAD WILLIAMSVILLE, NY 14221 | THE GUARDIAN LIFE INSRUANCE COMPANY OF AMERICA | $214 | — | $214 | 0.34% |
| 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 | $2 | $0 | $2 | 0.00% |
| TITAN INSURANCE & EMPLOYEE BENEFITS3 | 1 SOUTH CLINTON AVE ROCHESTER, NY 14604 | SUNLIFE AND HEALTH INSURANCE COMPANY | $4K | — | $4K | 7.06% |
| GUROWSKI, MICHAEL3 | 205 SOUTHSHORE PL WEBSTER, NY 14580 | SUNLIFE AND HEALTH INSURANCE COMPANY | $3K | — | $3K | 5.24% |
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 | 156 | 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) | 156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUECROSS BLUESHIELD | 166 | $1.1M |
| Dental | THE GUARDIAN LIFE INSRUANCE COMPANY OF AMERICA | 110 | $63K |
| Vision | THE GUARDIAN LIFE INSRUANCE COMPANY OF AMERICA | 110 | $63K |
| Life insurance | SUNLIFE AND HEALTH INSURANCE COMPANY | 156 | $52K |
| Short-term disability | SUNLIFE AND HEALTH INSURANCE COMPANY | 156 | $52K |
| Long-term disability | SUNLIFE AND HEALTH INSURANCE COMPANY | 156 | $52K |
| Prescription drug | EXCELLUS BLUECROSS BLUESHIELD | 166 | $1.1M |
| Other | SUNLIFE AND HEALTH INSURANCE COMPANY | 156 | $52K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 166 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.