| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TITAN INS & EMPLOYEE BENEFITS3 Filed as: TITAN INS. DBA EMP BENEFITS SVC | 1 S CLINTON AVE #1030 ROCHESTER, NY 14604 | EXCELLUS BLUE CROSS BLUE SHIELD | $36K | — | $36K | 3.75% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NE LLC | 71A MONROE AVE PITTSFORD, NY 14534 | EXCELLUS BLUE CROSS BLUE SHIELD | $6K | — | $6K | 0.64% |
| TITAN INS & EMPLOYEE BENEFITS3 | 1 S CLINTON AVE #1030 ROCHESTER, NY 14604 | COMPANION LIFE INSURANCE COMPANY | $6K | $3K | $9K | 13.39% |
| ASSUREDPARTNERS3 Filed as: ASSUREPARTNERS NE LLC | 445 HAMILTON AVE FL 10 WHITE PLAINS, NY 10601 | COMPANION LIFE INSURANCE COMPANY | $1K | — | $1K | 1.61% |
| USRP INSURANCE AGENCY LLC3 | 1 S CLINTON AVE #1030 ROCHESTER, NY 14604 | MVP HEALTHCARE | $3K | — | $3K | 4.39% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NE LLC | 71A MONROE AVE PITTSFORD, NY 14534 | MVP HEALTHCARE | $575 | — | $575 | 0.86% |
| TITAN INS & EMPLOYEE BENEFITS3 Filed as: TITAN INS DBA EMPL BENEFITS SVC | 1 S CLINTON AVE #1030 ROCHESTER, NY 14604 | EXCELLUS BLUE CROSS BLUE SHIELD | $6K | — | $6K | 13.28% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NE LLC | 71 A MONROE AVE PITTSFORD, NY 14534 | EXCELLUS BLUE CROSS BLUE SHIELD | $456 | — | $456 | 0.95% |
| TITAN INS & EMPLOYEE BENEFITS3 Filed as: TITAN INSURANCE AND EMPLOYEE BFT | 1 S CLINTON AVE #1030 ROCHESTER, NY 14604 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $932 | $83 | $1K | 10.98% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NE LLC | 71 MONROE AVE SUITE A PITTSFORD, NY 14534 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $147 | — | $147 | 1.59% |
| ALLIANCE ADVISORY GRP INC3 Filed as: ALLIANCE ADVISORY GRP INC. | 69 MONROE AVE PITTSFORD, NY 14534 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8 | — | $8 | 0.09% |
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 | 130 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | EXCELLUS BLUE CROSS BLUE SHIELD | 84 | $1.0M |
| Dental | EXCELLUS BLUE CROSS BLUE SHIELD | 65 | $48K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 61 | $9K |
| Life insurance | COMPANION LIFE INSURANCE COMPANY | 130 | $67K |
| Short-term disability | COMPANION LIFE INSURANCE COMPANY | 130 | $67K |
| Long-term disability | COMPANION LIFE INSURANCE COMPANY | 130 | $67K |
| Prescription drug | EXCELLUS BLUE CROSS BLUE SHIELD | 84 | $952K |
| Other | COMPANION LIFE INSURANCE COMPANY | 130 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 130 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.