| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TITAN INS & EMPLOYEE BENEFITS3 Filed as: TITAN INS. DBA USEBSG | 1 SOUTH CLINTON ROCHESTER, NY 14604 | EXCELLUS BC/BS | $69K | — | $69K | 3.73% |
| TITAN INS & EMPLOYEE BENEFITS3 Filed as: TITAN INS DBA US EMPL BENEFITS SVC | 1 SOUTH CLINTON AVE SUITE 1030 ROCHESTER, NY 14604 | EXCELLUS BLUE CROSS BLUE SHIELD | $8K | — | $8K | 6.07% |
| TITAN INS & EMPLOYEE BENEFITS3 Filed as: TITAN INS DBA USEBSG | 1 SOUTH CLINTON ROCHESTER, NY 14604 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $7K | — | $7K | 10.00% |
| TITAN INS & EMPLOYEE BENEFITS3 Filed as: TITAN INSURANCEAND EMPLOYEE BENEFIT | ONE S. CLINTON AVE SUITE 1030 ROCHESTER, NY 14604 | GUARDIAN | $6K | — | $6K | 9.35% |
| TITAN INSURANCE & EMPLOYEE BENEFITS3 | 1 SOUTH CLINTON AVENUE SUITE 1030 ROCHESTER, NY 14604 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $3K | — | $3K | 12.90% |
| TITAN INS & EMPLOYEE BENEFITS3 Filed as: TITAN INS DBA USEBSG | 1 SOUTH CLINTON ROCHESTER, NY 14604 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $2K | — | $2K | 9.54% |
| TITAN INS & EMPLOYEE BENEFITS3 Filed as: TITAN INS DBA USEBSG | 1 SOUTH CLINTON ROCHESTER, NY 14604 | NEW YORK LIFE | $354 | — | $354 | 10.01% |
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 | 194 | 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) | 194 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BC/BS | 126 | $1.8M |
| Dental | EXCELLUS BLUE CROSS BLUE SHIELD | 149 | $130K |
| Vision | GUARDIAN | 193 | $61K |
| Life insurance | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | 194 | $73K |
| Short-term disability | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | 112 | $19K |
| Long-term disability | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | 194 | $27K |
| Other(2 contracts, 2 carriers) | GUARDIAN | 194 | $64K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 194 | — |
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.