| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TITAN INS & EMPLOYEE BENEFITS3 Filed as: TITAN INSURANCE DBA EMPL BENEFITS S | 1 SOUTH CLINTON AVE, SUITE 1030 ROCHESTER, NY 14604 | UNITED HEALTHCARE INSURANCE COMPANY | $183K | — | $183K | 4.44% |
| TITAN INS & EMPLOYEE BENEFITS3 Filed as: TITAN INS& EMPLOYEE BENEFITS | 1 SOUTH CLINTON ST STE 1030 ROCHESTER, NY 14604 | NEW YORK LIFE | $4K | — | $4K | 2.62% |
| TITAN INS & EMPLOYEE BENEFITS3 | 1 SOUTH CLINTON AVE ST STE 1030 ROCHESTER, NY 14604 | NEW YORK LIFE | $14K | — | $14K | 10.00% |
| TITAN INS & EMPLOYEE BENEFITS3 | 1 SOUTH CLINTON ST STE 1030 ROCHESTER, NY 14604 | NEW YORK LIFE | $4K | — | $4K | 7.36% |
| TITAN INS & EMPLOYEE BENEFITS3 Filed as: TITAN INS DBA USEBSG | 1 SOUTH CLINTON ROCHESTER, NY 14604 | COMBINED INSURANCE | $14K | — | $14K | 25.71% |
| TITAN INS & EMPLOYEE BENEFITS3 Filed as: TITAN INSURANCE AND EMPLOYEE BEN | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $3K | $7K | 14.00% |
| TITAN INS & EMPLOYEE BENEFITS3 Filed as: TITAN INS DBA USEBSG | — | GUARDIAN | $7K | — | $7K | 20.04% |
| TITAN INS & EMPLOYEE BENEFITS3 Filed as: TITAN INS AND EMPLOYEE BENEFIT | 1 S CLINTON AVE STE 1030 ROCHESTER, NY 14604 | SYMETRA LIFE INSURANCE COMPANY | $7K | — | $7K | 19.91% |
| ELM STREET CAPITAL LLC3 Filed as: ELM STREET CAPITAL, LLC | 5906 CARDINAL LAKE DRIVE GREENSBORO, NC 27410 | SYMETRA LIFE INSURANCE COMPANY | — | $573 | $573 | 1.73% |
| TITAN INS & EMPLOYEE BENEFITS3 | 1 SOUTH CLINTON ST STE 1030 ROCHESTER, NY 14604 | NEW YORK LIFE | $2K | — | $2K | 10.00% |
| MICHAEL GUROWSKI3 | 205 SOUTHSHORE WEBSTER, NY 14580 | BEAZLEY INSURANCE COMPANY INC | $4K | — | $4K | 20.00% |
| DOUG KRESZL3 | 4 WICKLOW COURT WAYNE, PA 19087 | BEAZLEY INSURANCE COMPANY INC | $540 | — | $540 | 3.00% |
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 | 459 | 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) | 459 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 658 | $4.1M |
| Dental | GUARDIAN | 367 | $36K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 282 | $48K |
| Life insurance | NEW YORK LIFE | 459 | $144K |
| Long-term disability | NEW YORK LIFE | 459 | $60K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 658 | $4.1M |
| Other(6 contracts, 4 carriers) | NEW YORK LIFE | 459 | $420K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 658 | — |
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.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.