| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USRP INSURANCE AGENCY LLC3 | 1 SOUTH CLINTON AVE SUITE 1030 ROCHESTER, NY 14604 | MVP HEALTH CARE | $36K | — | $36K | 3.93% |
| TITAN INSURANCE AND EMPLOYEE B3 | ONE S.CLINTON AVE ROCHESTER, NY 14604 | AETNA LIFE INSURANCE CO | $3K | — | $3K | 5.65% |
| USRP INSURANCE AGENCY LLC3 | 1 S.CLINTON AVE SUITE 1030 ROCHESTER, NY 14604 | MUTUAL OF OMAHA INSURANCE COMPANY | $3K | $913 | $4K | 13.44% |
| TITAN INS & EMPLOYEE BENEFITS3 | 610 CLINTON SQ ROCHESTER, NY 14604 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $2K | $668 | $2K | 14.42% |
| TITAN INS & EMPLOYEE BENEFITS3 | 610 CLINTON SQ ROCHESTER, NY 14604 | COMPANION LIFE INSURANCE COMPANY | $1K | $674 | $2K | 14.57% |
| TITAN INS & EMPLOYEE BENEFITS3 | 610 CLINTON SQ ROCHESTER, NY 14604 | COMPANION LIFE INSURANCE COMPANY | $1K | $435 | $1K | 14.16% |
| TITAN INSURANCE AND EMPLOYEE B3 | ONE S.CLINTON AVE ROCHESTER, NY 14604 | GUARDIAN | $832 | — | $832 | 10.01% |
| ALLIANCE ADVISORY GRP INC3 | 69 MONROE AVE PITTSFORD, NY 14534 | GUARDIAN | $17 | — | $17 | 0.20% |
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 | 133 | 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) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MVP HEALTH CARE | 138 | $918K |
| Dental | AETNA LIFE INSURANCE CO | 123 | $52K |
| Vision | GUARDIAN | 65 | $8K |
| Life insurance | COMPANION LIFE INSURANCE COMPANY | 133 | $10K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 133 | $15K |
| Other(3 contracts, 3 carriers) | MUTUAL OF OMAHA INSURANCE COMPANY | 133 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 138 | — |
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.