| 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 | $63K | — | $63K | 3.85% |
| 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 | 3.37% |
| TITAN INS & EMPLOYEE BENEFITS3 Filed as: TITAN INS DBA USEBSG | 1 SOUTH CLINTON ROCHESTER, NY 14604 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $4K | — | $4K | 7.15% |
| TITAN INS & EMPLOYEE BENEFITS3 Filed as: TITAN INSURANCEAND EMPLOYEE BENEFIT | ONE S. CLINTON AVE SUITE 1030 ROCHESTER, NY 14604 | GUARDIAN | $4K | $606 | $5K | 10.48% |
| TITAN INS & EMPLOYEE BENEFITS3 Filed as: TITAN INS DBA USEBSG | 1 SOUTH CLINTON ROCHESTER, NY 14604 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $5K | — | $5K | 10.00% |
| TITAN INSURANCE & EMPLOYEE BENEFITS3 | 1 SOUTH CLINTON AVENUE SUITE 1030 ROCHESTER, NY 14604 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $5K | — | $5K | 10.00% |
| TITAN INSURANCE & EMPLOYEE BENEFITS3 | 1 SOUTH CLINTON AVENUE SUITE 1030 ROCHESTER, NY 14604 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $3K | — | $3K | 16.75% |
| TITAN INS & EMPLOYEE BENEFITS3 Filed as: TITAN INS DBA USEBSG | 1 SOUTH CLINTON ROCHESTER, NY 14604 | NEW YORK LIFE | $243 | — | $243 | 9.99% |
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 | 202 | 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) | 202 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BC/BS | 120 | $1.6M |
| Dental | EXCELLUS BLUE CROSS BLUE SHIELD | 143 | $227K |
| Vision | GUARDIAN | 185 | $47K |
| Life insurance(2 contracts) | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | 202 | $93K |
| Short-term disability | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | 127 | $59K |
| Long-term disability | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | 202 | $16K |
| Other(2 contracts, 2 carriers) | GUARDIAN | 202 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 202 | — |
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.