| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TITAN INS & EMPLOYEE BENEFITS3 Filed as: TITAN INSURANCE AND EMPLOYEE BEN | 1 SOUTH CLINTON AVE SUITE 1030 ROCHESTER, NY 14604 | UNITED HEALTHCARE | — | $89K | $89K | 3.96% |
| GILBERT, ERIC JON3 | 161 ALPINE DR ROCHESTER, NY 14618 | UNITED HEALTHCARE | — | $29K | $29K | 1.30% |
| TITAN INS & EMPLOYEE BENEFITS3 Filed as: TITAN INSURANCE AND EMP BEN | 1 SOUTH CLINTON AVE SUITE 1030 ROCHESTER, NY 14604 | CIGNA | $57K | — | $57K | 5.25% |
| FNA INSURANCE SERVICES INC3 | 300 CONNELL DRIVE SUITE 3000 BERKELY, NJ 07922 | CIGNA | — | $22K | $22K | 2.00% |
| ERIC JON GILBERT3 | 1 S CLINTON AVE STE 1030 ROCHESTER, NY 14604 | KAISER FOUNDATION HEALTH PLAN, INC. | $12K | — | $12K | 4.53% |
| TITAN INS & EMPLOYEE BENEFITS3 Filed as: TITAN INS AND EMPLOYEE BENEFIT | 1 S CLINTON AVE STE 1030 ROCHESTER, NY 14604 | GUARDIAN | $6K | $7K | $13K | 5.35% |
| TITAN INS & EMPLOYEE BENEFITS3 | ONE SOUTH CLINTON AVE STE 1030 ROCHESTER, NY 14604 | SYMETRA LIFE INSURANCE COMPANY | $33K | — | $33K | 15.00% |
| TITAN INS & EMPLOYEE BENEFITS3 Filed as: TITAN INS AND EMPLOYEE BENEFIT | 1 S CLINTON AVE STE 1030 ROCHESTER, NY 14604 | SYMETRA LIFE INSURANCE COMPANY | $9K | — | $9K | 18.09% |
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 | 458 | 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) | 458 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UNITED HEALTHCARE | 230 | $3.6M |
| Dental | GUARDIAN | 261 | $242K |
| Vision | GUARDIAN | 261 | $242K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 458 | $220K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 458 | $220K |
| Prescription drug(2 contracts, 2 carriers) | UNITED HEALTHCARE | 230 | $3.3M |
| Other(2 contracts) | SYMETRA LIFE INSURANCE COMPANY | 458 | $272K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 458 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.