| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USRP INSURANCE AGENCY LLC3 | 1 S.CLINTON AVE SUITE 1030 ROCHESTER, NY 14604 | MVP HEALTHCARE | $36K | — | $36K | 4.49% |
| USRP INSURANCE AGENCY LLC3 | 1 S.CLINTON AVE SUITE 1030 ROCHESTER, NY 14604 | MVP HEALTHCARE | $4K | — | $4K | 4.27% |
| TITAN INSURANCE AND EMPLOYEE B3 | ONE S.CLINTON AVE ROCHESTER, NY 14604 | AETNA LIFE INSURANCE CO | $0 | — | $0 | 0.00% |
| TITAN INS & EMPLOYEE BENEFITS3 | 610 CLINTON SQ ROCHESTER, NY 14604 | COMPANION LIFE INSURANCE COMPANY | $1K | $561 | $2K | 14.26% |
| PROSENTIAL BENEFITS LLC3 Filed as: PROSENTIAL BENEFITS, LLC | 40 TIOGA WAY STE 230 MARBLEHEAD, MA 01945 | COMPANION LIFE INSURANCE COMPANY | — | $321 | $321 | 2.44% |
| TITAN INS & EMPLOYEE BENEFITS3 | 610 CLINTON SQ ROCHESTER, NY 14604 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $1K | $365 | $2K | 13.02% |
| PROSENTIAL BENEFITS LLC3 Filed as: PROSENTIAL BENEFITS, LLC | 40 TIOGA WAY STE 230 MARBLEHEAD, MA 01945 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $209 | $209 | 1.73% |
| TITAN INSURANCE AND EMPLOYEE B3 | ONE S.CLINTON AVE ROCHESTER, NY 14604 | GUARDIAN | $882 | $569 | $1K | 16.45% |
| ALLIANCE ADVISORY GRP INC3 Filed as: ALLIANCE ADVISORY | 600 DELAWARE AVE BUFFALO, NY 14202 | GUARDIAN | $18 | — | $18 | 0.20% |
| TITAN INS & EMPLOYEE BENEFITS3 | 610 CLINTON SQ ROCHESTER, NY 14604 | COMPANION LIFE INSURANCE COMPANY | $790 | $237 | $1K | 13.01% |
| PROSENTIAL BENEFITS LLC3 Filed as: PROSENTIAL BENEFITS, LLC | 40 TIOGA WAY STE 230 MARBLEHEAD, MA 01945 | COMPANION LIFE INSURANCE COMPANY | — | $135 | $135 | 1.71% |
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 | 117 | 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) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | MVP HEALTHCARE | 135 | $913K |
| Dental | AETNA LIFE INSURANCE CO | 110 | $39K |
| Vision | GUARDIAN | 56 | $9K |
| Life insurance | COMPANION LIFE INSURANCE COMPANY | 117 | $8K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 116 | $12K |
| Other | COMPANION LIFE INSURANCE COMPANY | 30 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 135 | — |
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."
No prospect flags tripped on this filing.