| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TITAN INS & EMPLOYEE BENEFITS3 Filed as: TITAN INS DBA US EMPLOYEE BENEFITS | ONE SOUTH CLINTON AVE ROCHESTER, NY 14604 | EXCELLUS BLUE CROSS BLUESHIELD | $2K | — | $2K | 0.57% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY LLC | 361 DELAWARE AVE BUFFALO, NY 14202 | EXCELLUS BLUE CROSS BLUESHIELD | $278 | — | $278 | 0.07% |
| ONEGROUP NY INC3 | 706 N CLINTON STREET SYRACUSE, NY 13204 | EXCELLUS BLUE CROSS BLUESHIELD | $35 | — | $35 | 0.01% |
| TITAN INS & EMPLOYEE BENEFITS3 Filed as: TITAN INS DBA US EMPLOYEE BENEFITS | 1 SOUTH CLINTON AVE ROCHESTER, NY 14604 | FIRST UNUM LIFE INSURANCE | $7K | — | $7K | 5.65% |
| TITAN INSURANCE & EMPLOYEE BENEFITS3 | 1 S CLINTON AVE STE 1030 ROCHESTER, NY 146041797 | VSP VISION CARE | $1K | — | $1K | 4.17% |
| TITAN INS & EMPLOYEE BENEFITS3 Filed as: TITAN INSURANCE DBA US EMPLOYEE BEN | 1 SOUTH CLINTON AVE SUITE 1030 ROCHESTER, NY 14604 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | — | $2K | 14.90% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLELY LLC, | 361 DELAWARE AVE BUFFALO, NY 14202 | EXCELLUS BLUECROSS BLUE SHIELD | $0 | — | $0 | 0.00% |
| TITAN INS & EMPLOYEE BENEFITS3 Filed as: TITAN INS DBA US EMPLOYEE BENEFITS | ONE SOUTH CLINTON AVE SUITE 1030 ROCHESTER, NY 14604 | EXCELLUS BLUECROSS BLUE SHIELD | $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 | 317 | 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) | 317 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUE CROSS BLUESHIELD | 274 | $421K |
| Dental | EXCELLUS BLUECROSS BLUE SHIELD | 211 | $14K |
| Vision | VSP VISION CARE | 183 | $25K |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 88 | $16K |
| Long-term disability | FIRST UNUM LIFE INSURANCE | 317 | $129K |
| Other | FIRST UNUM LIFE INSURANCE | 317 | $129K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 317 | — |
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.