| 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 | $3K | — | $3K | 0.95% |
| 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 | 4.85% |
| TITAN INS & EMPLOYEE BENEFITS3 | 1 S CLINTON AVE STE 1030 ROCHESTER, NY 14604 | MUTUAL OF OMAHA INSURANCE COMPANY | $4K | $2K | $7K | 10.50% |
| USB HEALTH LLC3 | 4550 STATE HIGHWAY 360 STE 190 GRAPEVINE, TX 76051 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $4K | $4K | 6.00% |
| TITAN INS & EMPLOYEE BENEFITS3 | 610 CLINTON SQ ROCHESTER, NY 14604 | MUTUAL OF OMAHA INSURANCE COMPANY | $3K | $1K | $5K | 13.31% |
| USB HEALTH LLC3 | 4550 STATE HIGHWAY 360 STE 190 GRAPEVINE, TX 76051 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $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 | $268 | $3K | 8.22% |
| TITAN INS & EMPLOYEE BENEFITS3 Filed as: TITAN INS AND EMPLOYEE BENEFIT | 1 S CLINTON STE 1030 ROCHESTER, NY 14604 | MUTUAL OF OMAHA | $3K | — | $3K | 10.00% |
| USB HEALTH LLC3 | 4550 STATE HIGHWAY 360 STE 190 GRAPEVINE, TX 76051 | MUTUAL OF OMAHA | — | $2K | $2K | 6.00% |
| TITAN INS & EMPLOYEE BENEFITS3 | 610 CLINTON SQ ROCHESTER, NY 14604 | COMPANION LIFE INSURANCE COMPANY | $2K | $490 | $2K | 13.01% |
| USB HEALTH LLC3 | 4550 STATE HIGHWAY 360 STE 190 GRAPEVINE, TX 76051 | COMPANION LIFE INSURANCE COMPANY | — | $976 | $976 | 6.00% |
| TITAN INS & EMPLOYEE BENEFITS3 | 610 CLINTON SQ ROCHESTER, NY 14604 | MUTUAL OF OMAHA INSURANCE COMPANY | $2K | $745 | $2K | 14.61% |
| USB HEALTH LLC3 | 4550 STATE HIGHWAY 360 STE 190 GRAPEVINE, TX 76051 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $971 | $971 | 6.00% |
| TITAN INS & EMPLOYEE BENEFITS3 | 610 CLINTON SQ ROCHESTER, NY 14604 | MUTUAL OF OMAHA INSURANCE COMPANY | $2K | $639 | $2K | 14.03% |
| USB HEALTH LLC3 | 4550 STATE HIGHWAY 360 STE 190 GRAPEVINE, TX 76051 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $951 | $951 | 6.00% |
| TITAN INS & EMPLOYEE BENEFITS3 | 610 CLINTON SQ ROCHESTER, NY 14604 | MUTUAL OF OMAHA INSURANCE COMPANY | $550 | $221 | $771 | 14.03% |
| USB HEALTH LLC3 | 4550 STATE HIGHWAY 360 STE 190 GRAPEVINE, TX 76051 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $330 | $330 | 6.00% |
| TITAN INS & EMPLOYEE BENEFITS3 | 1 S CLINTON AVE STE 1030 ROCHESTER, NY 14604 | MUTUAL OF OMAHA INSURANCE COMPANY | $501 | $196 | $697 | 13.92% |
| USB HEALTH LLC3 | 4550 STATE HIGHWAY 360 STE 190 GRAPEVINE, TX 76051 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $300 | $300 | 5.99% |
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 | 442 | 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) | 442 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | EXCELLUS BLUECROSS BLUESHIELD | 313 | $186K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 225 | $31K |
| Life insurance | COMPANION LIFE INSURANCE COMPANY | 442 | $16K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 206 | $35K |
| Other(7 contracts, 3 carriers) | EXCELLUS BLUE CROSS BLUE SHIELD | 442 | $495K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 442 | — |
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.