| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TITAN INS & EMPLOYEE BENEFITS3 Filed as: TITAN INSURANCE DBA USEBSG | 1 SOUTH CLINTON AVE, SUITE 1030 ROCHESTER, NY 14604 | EXCELLUS BLUE CROSS BLUE SHIELD | $99K | — | $99K | 32.96% |
| TITAN INS & EMPLOYEE BENEFITS3 Filed as: TITAN INS DBA US EMPL BENEFITS SVC | 1 SOUTH CLINTON AVE, SUITE 1030 ROCHESTER, NY 14604 | EXCELLUS BLUECROSS BLUESHIELD | $9K | — | $9K | 4.75% |
| TITAN INS & EMPLOYEE BENEFITS3 | 1 S CLINTON AVE STE 1030 ROCHESTER, NY 14604 | MUTUAL OF OMAHA INSURANCE COMPANY | $5K | $2K | $7K | 9.53% |
| STEALTH PARTNER GROUP LLC3 | 18700 N HAYDEN RD STE 405 SCOTTSDALE, AZ 85255 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $4K | $4K | 5.00% |
| TITAN INS & EMPLOYEE BENEFITS3 | 610 CLINTON SQ ROCHESTER, NY 14604 | MUTUAL OF OMAHA INSURANCE COMPANY | $3K | $1K | $5K | 12.80% |
| STEALTH PARTNER GROUP LLC3 | 18700 N HAYDEN RD STE 405 SCOTTSDALE, AZ 85255 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| TITAN INS & EMPLOYEE BENEFITS3 Filed as: TITAN INS AND EMPLOYEE BENEFIT | 1 S CLINTON STE 1030 ROCHESTER, NY 14604 | MUTUAL OF OMAHA | $3K | $978 | $4K | 13.23% |
| USB HEALTH LLC3 | 4550 STATE HIGHWAY 360 STE 190 GRAPEVINE, TX 76051 | MUTUAL OF OMAHA | — | $2K | $2K | 6.00% |
| TITAN INS & EMPLOYEE BENEFITS3 Filed as: TITAN INSURANCE AND EMPLOYEE BENEFI | ONE S.CLINTON AVE SUITE 1030 ROCHESTER, NY 14604 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $457 | $3K | 9.03% |
| TITAN INS & EMPLOYEE BENEFITS3 | 610 CLINTON SQ ROCHESTER, NY 14604 | COMPANION LIFE INSURANCE COMPANY | $2K | $554 | $2K | 13.29% |
| STEALTH PARTNER GROUP LLC3 | 18700 N HAYDEN RD STE 405 SCOTTSDALE, AZ 85255 | COMPANION LIFE INSURANCE COMPANY | — | $842 | $842 | 5.00% |
| TITAN INS & EMPLOYEE BENEFITS3 Filed as: TITAN INSURANCE AND EMPLOYEE BENEFI | 1 SOUTH CLINTON AVENUE SUITE 1030 T ROCHESTER, NY 14604 | CONTINENTAL AMERICAN INSURANCE COMPANY | $618 | — | $618 | 11.00% |
| TITAN INS & EMPLOYEE BENEFITS3 | 1 S CLINTON AVE STE 1030 ROCHESTER, NY 14604 | MUTUAL OF OMAHA INSURANCE COMPANY | $488 | $171 | $659 | 13.50% |
| STEALTH PARTNER GROUP LLC3 | 18700 N HAYDEN RD STE 405 SCOTTSDALE, AZ 85255 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $244 | $244 | 5.00% |
| TITAN INS & EMPLOYEE BENEFITS3 | 610 CLINTON SQ ROCHESTER, NY 14604 | MUTUAL OF OMAHA INSURANCE COMPANY | $228 | $180 | $408 | 17.91% |
| STEALTH PARTNER GROUP LLC3 | 18700 N HAYDEN RD STE 405 SCOTTSDALE, AZ 85255 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $114 | $114 | 5.00% |
| TITAN INS & EMPLOYEE BENEFITS3 | 610 CLINTON SQ ROCHESTER, NY 14604 | MUTUAL OF OMAHA INSURANCE COMPANY | $107 | $422 | $529 | 49.26% |
| TITAN INS & EMPLOYEE BENEFITS3 | 610 CLINTON SQ ROCHESTER, NY 14604 | MUTUAL OF OMAHA INSURANCE COMPANY | $29 | $540 | $569 | 194.20% |
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 | 443 | 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) | 443 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | EXCELLUS BLUECROSS BLUESHIELD | 310 | $194K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 238 | $30K |
| Life insurance | COMPANION LIFE INSURANCE COMPANY | 443 | $17K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 202 | $37K |
| Other(8 contracts, 4 carriers) | EXCELLUS BLUE CROSS BLUE SHIELD | 443 | $416K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 443 | — |
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.