| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TITAN INS & EMPLOYEE BENEFITS3 Filed as: TITAN INSURANCE AND EMPLOYEE BENEFI | 1 SOUTH CLINTON AVE SUITE 1030 ROCHESTER, NY 14604 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $74K | $74K | 3.83% |
| MARTIN INSURANCE GROUP3 | 259 PROSPECT PLAINS RD EAT WINDSOR, NJ 08512 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $37K | $37K | 1.90% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX | PO BOX 948 ROCHESTER, NY 14623 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $18K | $18K | 0.94% |
| ALTOMARE FINANCIAL GROUP, INC.3 Filed as: ALTOMARE FINANCIAL GROUP, INC | 1680 ROUTE 23 N WAYNE, NJ 07470 | HORIZON INSURANCE GROUP, INC. | $32K | $9K | $41K | 4.37% |
| TITAN INS & EMPLOYEE BENEFITS3 Filed as: TITAN INS.& EMPLOYEE BENEFITS AGENC | 1 S CLINTON AVE STE 1030 ROCHESTER, NY 14604 | UNITED HEALTHCARE | $11K | — | $11K | 8.71% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX INSURANCE AGENCY | 225 KENNETH DR. ROCHESTER, NY 14623 | UNITED HEALTHCARE | $3K | — | $3K | 2.23% |
| TITAN INS & EMPLOYEE BENEFITS3 Filed as: TITAN INS AND EMPLOYEE BENEFIT | 1 S CLINTON AVE STE 1030 ROCHESTER, NY 14604 | GUARDIAN | $3K | — | $3K | 3.32% |
| TITAN INS & EMPLOYEE BENEFITS3 Filed as: TITAN INS AND EMPLOYEE BENEFIT | 1 S CLINTON AVE STE 1030 ROCHESTER, NY 14604 | SYMETRA LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX INSURANCE AGENCY | PO BOX 948 ROCHESTER, NY 14467 | THE HARTFORD | $1K | $192 | $1K | 5.49% |
| TITAN INS & EMPLOYEE BENEFITS3 | ONE SOUTH CLINTON AVE STE 1030 ROCHESTER, NY 14604 | THE HARTFORD | $1K | — | $1K | 5.28% |
| TITAN INS & EMPLOYEE BENEFITS3 Filed as: TITAN INS AND EMPLOYEE BENEFIT | 1 S CLINTON AVE STE 1030 ROCHESTER, NY 14604 | SYMETRA LIFE INSURANCE COMPANY | $1K | — | $1K | 20.00% |
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 | 454 | 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) | 454 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 269 | $2.9M |
| Dental(2 contracts, 2 carriers) | UNITED HEALTHCARE | 314 | $214K |
| Vision | GUARDIAN | 314 | $90K |
| Life insurance(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 454 | $61K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 454 | $36K |
| Other(3 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 454 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 454 | — |
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."
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.