| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TITAN INS & EMPLOYEE BENEFITS3 Filed as: TITAN INS DBA US EMPL BENEFITS SVC | 1 SOUTH CLINTON AVENUE SUITE 1030 ROCHESTER, NY 14604 | EXCELLUS BLUE CROSS BLUE SHIELD | $49K | — | $49K | 2.72% |
| MORGENSTERN BENEFIT SOLUTIONS INC3 Filed as: MORGENSTERN BENEFITS SOLUTIONS INC | 1080 PITTSFORD VICTOR ROAD SUITE 200 PITTSFORD, NY 14534 | EXCELLUS BLUE CROSS BLUE SHIELD | $19K | — | $19K | 1.02% |
| TITAN INS & EMPLOYEE BENEFITS3 Filed as: TITAN INS DBA US EMPL BENEFITS SVC | 1 SOUTH CLINTON AVENUE SUITE 1030 ROCHESTER, NY 14604 | EXCELLUS BLUE CROSS BLUE SHIELD | $5K | — | $5K | 5.58% |
| MORGENSTERN BENEFIT SOLUTIONS INC3 Filed as: MORGENSTERN BENEFITS SOLUTIONS INC | 1080 PITTSFORD VICTOR ROAD SUITE 200 PITTSFORD, NY 14534 | EXCELLUS BLUE CROSS BLUE SHIELD | $2K | — | $2K | 1.75% |
| TITAN INS & EMPLOYEE BENEFITS3 Filed as: TITAN INSURANCE AND EMPLOYEE BENEFI | 1 SOUTH CLINTON AVENUE SUITE 1030 ROCHESTER, NY 14604 | MUTUAL OF OMAHA INSURANCE COMPANY | $2K | — | $2K | 6.57% |
| U S B HEALTH LLC3 | 4550 STATE HIGHWAY 360 SUITE 190 GRAPEVINE, TX 76051 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $1K | $1K | 3.94% |
| MORGENSTERN BENEFIT SOLUTIONS INC3 | 1080 PITTSFORD VICTOR ROAD SUITE 200 PITTSFORD, NY 14534 | MUTUAL OF OMAHA INSURANCE COMPANY | $1K | — | $1K | 3.21% |
| TITAN INS & EMPLOYEE BENEFITS3 | 1 SOUTH CLINTON AVENUE SUITE 1030 ROCHESTER, NY 14604 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $812 | $812 | 2.59% |
| TITAN INS & EMPLOYEE BENEFITS3 Filed as: TITAN INSURANCE AND EMPLOYEE BENEFI | 1 SOUTH CLINTON AVENUE SUITE 1030 ROCHESTER, NY 14604 | MUTUAL OF OMAHA INSURANCE COMPANY | $2K | — | $2K | 6.86% |
| U S B HEALTH LLC3 | 4550 STATE HIGHWAY 360 SUITE 190 GRAPEVINE, TX 76051 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $1K | $1K | 4.11% |
| MORGENSTERN BENEFIT SOLUTIONS INC3 | 1080 PITTSFORD VICTOR ROAD SUITE 200 PITTSFORD, NY 14534 | MUTUAL OF OMAHA INSURANCE COMPANY | $935 | — | $935 | 3.15% |
| TITAN INS & EMPLOYEE BENEFITS3 | 1 SOUTH CLINTON AVENUE SUITE 1030 ROCHESTER, NY 14604 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $813 | $813 | 2.73% |
| TITAN INS & EMPLOYEE BENEFITS3 Filed as: TITAN INSURANCE AND EMPLOYEE BENEFI | 1 SOUTH CLINTON AVENUE SUITE 1030 ROCHESTER, NY 14604 | COMPANION LIFE INSURANCE COMPANY | $1K | — | $1K | 6.36% |
| U S B HEALTH LLC3 | 4550 STATE HIGHWAY 360 SUITE 190 GRAPEVINE, TX 76051 | COMPANION LIFE INSURANCE COMPANY | — | $1K | $1K | 6.00% |
| MORGENSTERN BENEFIT SOLUTIONS INC3 | 1080 PITTSFORD VICTOR ROAD SUITE 200 PITTSFORD, NY 14534 | COMPANION LIFE INSURANCE COMPANY | $681 | — | $681 | 3.64% |
| TITAN INS & EMPLOYEE BENEFITS3 | 1 SOUTH CLINTON AVENUE SUITE 1030 ROCHESTER, NY 14604 | COMPANION LIFE INSURANCE COMPANY | — | $482 | $482 | 2.58% |
| TITAN INS & EMPLOYEE BENEFITS3 Filed as: TITAN INS DBA US EMPL BENEFITS SVC | 1 SOUTH CLINTON AVENUE SUITE 1030 ROCHESTER, NY 14604 | EXCELLUS BLUE CROSS BLUE SHIELD | $849 | — | $849 | 6.51% |
| MORGENSTERN BENEFIT SOLUTIONS INC3 Filed as: MORGENSTERN BENEFITS SOLUTIONS INC | 1080 PITTSFORD VICTOR ROAD SUITE 200 PITTSFORD, NY 14534 | EXCELLUS BLUE CROSS BLUE SHIELD | $453 | — | $453 | 3.47% |
| TITAN INS & EMPLOYEE BENEFITS3 Filed as: TITAN INSURANCE AND EMPLOYEE BENEFI | 1 SOUTH CLINTON AVENUE SUITE 1030 ROCHESTER, NY 14604 | COMPANION LIFE INSURANCE COMPANY | $641 | — | $641 | 6.61% |
| U S B HEALTH LLC3 | 4550 STATE HIGHWAY 360 SUITE 190 GRAPEVINE, TX 76051 | COMPANION LIFE INSURANCE COMPANY | — | $385 | $385 | 3.97% |
| MORGENSTERN BENEFIT SOLUTIONS INC3 | 1080 PITTSFORD VICTOR ROAD SUITE 200 PITTSFORD, NY 14534 | COMPANION LIFE INSURANCE COMPANY | $329 | — | $329 | 3.39% |
| TITAN INS & EMPLOYEE BENEFITS3 | 1 SOUTH CLINTON AVENUE SUITE 1030 ROCHESTER, NY 14604 | COMPANION LIFE INSURANCE COMPANY | — | $278 | $278 | 2.87% |
| TITAN INS & EMPLOYEE BENEFITS3 Filed as: TITAN INSURANCE AND EMP BEN AGY | 1 SOUTH CLINTON AVENUE SUITE #1030 ROCHESTER, NY 14604 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $268 | — | $268 | 3.98% |
| MORGENSTERN BENEFIT SOLUTIONS INC3 Filed as: MORGENSTERN BENEFITS SOLUTIONS INC | 1170 PITTSFORD VICTOR ROAD SUITE 200 PITTSFORD, NY 14534 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $69 | — | $69 | 1.02% |
| TITAN INS & EMPLOYEE BENEFITS3 Filed as: TITAN INSURANCE AND EMP BEN AGY | 1 SOUTH CLINTON AVENUE SUITE 1030 ROCHESTER, NY 14604 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $149 | — | $149 | 4.08% |
| MORGENSTERN BENEFIT SOLUTIONS INC3 Filed as: MORGENSTERN BENEFITS SOLUTIONS, INC | 1170 PITTSFORD VICTOR ROAD SUITE 200 PITTSFORD, NY 14534 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $34 | — | $34 | 0.93% |
| TITAN INS & EMPLOYEE BENEFITS3 Filed as: TITAN INSURANCE AND EMP BEN AGY | 1 SOUTH CLINTON AVENUE SUITE 1030 ROCHESTER, NY 14604 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $107 | — | $107 | 4.01% |
| MORGENSTERN BENEFIT SOLUTIONS INC3 Filed as: MORGENSTERN BENEFITS SOLUTIONS, INC | 1170 PITTSFORD VICTOR ROAD SUITE 200 PITTSFORD, NY 14534 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $27 | — | $27 | 1.01% |
| TITAN INS & EMPLOYEE BENEFITS3 Filed as: TITAN INSURANCE AND EMPLOYEE BENEFI | 1 SOUTH CLINTON AVENUE SUITE 1030 ROCHESTER, NY 14604 | MUTUAL OF OMAHA INSURANCE COMPANY | $86 | — | $86 | 6.20% |
| MORGENSTERN BENEFIT SOLUTIONS INC3 | 1080 PITTSFORD VICTOR ROAD SUITE 200 PITTSFORD, NY 14534 | MUTUAL OF OMAHA INSURANCE COMPANY | $53 | — | $53 | 3.82% |
| U S B HEALTH LLC3 | 4550 STATE HIGHWAY 360 SUITE 190 GRAPEVINE, TX 76051 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $52 | $52 | 3.75% |
| TITAN INS & EMPLOYEE BENEFITS3 | 1 SOUTH CLINTON AVENUE SUITE 1030 ROCHESTER, NY 14604 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $36 | $36 | 2.60% |
| TITAN INS & EMPLOYEE BENEFITS3 Filed as: TITAN INSURANCE AND EMPLOYEE BENEFI | 1 SOUTH CLINTON AVENUE SUITE 1030 ROCHESTER, NY 14604 | MUTUAL OF OMAHA INSURANCE COMPANY | $80 | — | $80 | 6.60% |
| U S B HEALTH LLC3 | 4550 STATE HIGHWAY 360 SUITE 190 GRAPEVINE, TX 76051 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $48 | $48 | 3.96% |
| MORGENSTERN BENEFIT SOLUTIONS INC3 | 1080 PITTSFORD VICTOR ROAD SUITE 200 PITTSFORD, NY 14534 | MUTUAL OF OMAHA INSURANCE COMPANY | $41 | — | $41 | 3.38% |
| TITAN INS & EMPLOYEE BENEFITS3 | 1 SOUTH CLINTON AVENUE SUITE 1030 ROCHESTER, NY 14604 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $35 | $35 | 2.89% |
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 | 253 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 263 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUE CROSS BLUE SHIELD | 138 | $1.8M |
| Dental | EXCELLUS BLUE CROSS BLUE SHIELD | 147 | $98K |
| Vision | EXCELLUS BLUE CROSS BLUE SHIELD | 110 | $13K |
| Life insurance(3 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 238 | $30K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 42 | $30K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 229 | $31K |
| Prescription drug | EXCELLUS BLUE CROSS BLUE SHIELD | 138 | $1.8M |
| Other(7 contracts, 3 carriers) | COMPANION LIFE INSURANCE COMPANY | 238 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 238 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.