| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TITAN INSURANCE3 | 610 CLINTON SQUARE ROCHESTER, NY 14604 | EXCELLUS BLUECROSS BLUESHIELD | $27K | — | $27K | 4.37% |
| TITAN INSURANCE3 | 610 CLINTON SQUARE ROCHESTER, NY 14604 | CIGNA GROUP INSURANCE | $2K | — | $2K | 10.33% |
| TITAN INSURANCE3 | 610 CLINTON SQUARE ROCHESTER, NY 14604 | CIGNA GROUP INSURANCE | $1K | — | $1K | 10.00% |
| TITAN INSURANCE3 | 610 CLINTON SQUARE ROCHESTER, NY 14604 | CIGNA GROUP INSURANCE | $1K | — | $1K | 14.99% |
| TITAN INSURANCE3 | 610 CLINTON SQUARE ROCHESTER, NY 14604 | EYEMED | $632 | — | $632 | 9.98% |
| TITAN INSURANCE3 | 1 SOUTH CLINTON AVE, SUITE 1030 ROCHESTER, NY 14604 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $319 | $2K | 25.18% |
| ALLIANCE ADVISORY GRP INC3 Filed as: ALLIANCE ADVISORY GROUP INC | 350 ESSJAY RD WILLIAMSVILLE, NY 14221 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $25 | — | $25 | 0.41% |
| TITAN INSURANCE3 | 610 CLINTON SQUARE ROCHESTER, NY 14604 | CIGNA GROUP INSURANCE | $261 | — | $261 | 14.97% |
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 | 103 | 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) | 103 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUECROSS BLUESHIELD | 91 | $613K |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 86 | $6K |
| Vision | EYEMED | 109 | $6K |
| Life insurance | CIGNA GROUP INSURANCE | 141 | $15K |
| Short-term disability | CIGNA GROUP INSURANCE | 103 | $14K |
| Long-term disability | CIGNA GROUP INSURANCE | 103 | $9K |
| Prescription drug | EXCELLUS BLUECROSS BLUESHIELD | 91 | $613K |
| Other | CIGNA GROUP INSURANCE | 38 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 141 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.