| 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 | $4K | — | $4K | 1.06% |
| 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 | 4.82% |
| TITAN INS & EMPLOYEE BENEFITS3 | 1 S CLINTON AVE STE 1030 ROCHESTER, NY 14604 | MUTUAL OF OMAHA INSURANCE COMPANY | $4K | $2K | $6K | 8.98% |
| 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 | $865 | $4K | 11.13% |
| 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 | $1K | $4K | 11.75% |
| TITAN INS & EMPLOYEE BENEFITS3 Filed as: TITAN INS AND EMPLOYEE BENEFIT | 1 S CLINTON STE 1030 ROCHESTER, NY 14604 | MUTUAL OF OMAHA | $3K | $750 | $4K | 12.68% |
| 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 | $407 | $2K | 12.57% |
| USB HEALTH LLC3 | 4550 STATE HIGHWAY 360 STE 190 GRAPEVINE, TX 76051 | COMPANION LIFE INSURANCE COMPANY | — | $950 | $950 | 6.00% |
| TITAN INS & EMPLOYEE BENEFITS3 | 610 CLINTON SQ ROCHESTER, NY 14604 | MUTUAL OF OMAHA INSURANCE COMPANY | $2K | $396 | $2K | 12.56% |
| USB HEALTH LLC3 | 4550 STATE HIGHWAY 360 STE 190 GRAPEVINE, TX 76051 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $926 | $926 | 6.00% |
| TITAN INS & EMPLOYEE BENEFITS3 | 610 CLINTON SQ ROCHESTER, NY 14604 | MUTUAL OF OMAHA INSURANCE COMPANY | $1K | $405 | $2K | 13.36% |
| USB HEALTH LLC3 | 4550 STATE HIGHWAY 360 STE 190 GRAPEVINE, TX 76051 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $724 | $724 | 6.00% |
| TITAN INS & EMPLOYEE BENEFITS3 | 610 CLINTON SQ ROCHESTER, NY 14604 | MUTUAL OF OMAHA INSURANCE COMPANY | $513 | $137 | $650 | 12.67% |
| USB HEALTH LLC3 | 4550 STATE HIGHWAY 360 STE 190 GRAPEVINE, TX 76051 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $308 | $308 | 6.00% |
| TITAN INS & EMPLOYEE BENEFITS3 | 1 S CLINTON AVE STE 1030 ROCHESTER, NY 14604 | MUTUAL OF OMAHA INSURANCE COMPANY | $487 | $125 | $612 | 12.56% |
| USB HEALTH LLC3 | 4550 STATE HIGHWAY 360 STE 190 GRAPEVINE, TX 76051 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $292 | $292 | 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 | 418 | 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) | 418 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | EXCELLUS BLUECROSS BLUESHIELD | 306 | $188K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 238 | $30K |
| Life insurance | COMPANION LIFE INSURANCE COMPANY | 418 | $16K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 204 | $39K |
| Other(7 contracts, 3 carriers) | EXCELLUS BLUE CROSS BLUE SHIELD | 418 | $485K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 418 | — |
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.