| 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 AVE, SUITE 1030 ROCHESTER, NY 14604 | EXCELLUS BLUE CROSS BLUE SHIELD | $20K | — | $20K | 4.02% |
| TITAN INS & EMPLOYEE BENEFITS3 Filed as: TITAN INS DBA US EMPL BENEFITS SVC | 1 SOUTH CLINTON AVE, SUITE 1030 ROCHESTER, NY 14604 | EXCELLUS BLUE CROSS BLUE SHIELD | $4K | — | $4K | 10.49% |
| TITAN INS & EMPLOYEE BENEFITS3 | 610 CLINTON SQ ROCHESTER, NY 14604 | MUTUAL OF OMAHA INSURANCE COMPANY | $1K | $475 | $2K | 13.33% |
| TITAN INS & EMPLOYEE BENEFITS3 | 610 CLINTON SQ ROCHESTER, NY 14604 | MUTUAL OF OMAHA INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| TITAN INS & EMPLOYEE BENEFITS5 | 610 CLINTON SQ ROCHESTER, NY 14604 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $475 | $475 | 3.88% |
| TITAN INSURANCE AND EMPLOYEE B3 | ONE S.CLINTON AVE SUITE 1030 ROCHESTER, NY 14604 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $641 | — | $641 | 10.00% |
| ALLIANCE ADVISORY GRP INC3 | 600 DELAWARE AVENUE BUFFALO, NY 14202 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $48 | — | $48 | 0.75% |
| U.S. EMPLOYEE BENEFITS SERVICES GRO3 | 4550 STATE HWY. 360, SUITE 190 GRAPEVINE, TX 76051 | EYEMED VISION CARE | $473 | — | $473 | 10.00% |
| TITAN INS & EMPLOYEE BENEFITS5 | 610 CLINTON SQ ROCHESTER, NY 14604 | COMPANION LIFE INSURANCE COMPANY | — | $570 | $570 | 30.71% |
| TITAN INS & EMPLOYEE BENEFITS3 | 610 CLINTON SQ ROCHESTER, NY 14604 | COMPANION LIFE INSURANCE COMPANY | $186 | — | $186 | 10.02% |
| TITAN INS & EMPLOYEE BENEFITS3 | 610 CLINTON SQ 66 ROCHESTER, NY 14604 | COMPANION LIFE INSURANCE COMPANY | — | $66 | $66 | 3.56% |
| PROSENTIAL BENEFITS LLC3 Filed as: PROSENTIAL BENEFITS, LLC | 40 TIOGA WAY STE 230 MARBLEHEAD, MA 01945 | COMPANION LIFE INSURANCE COMPANY | — | $6 | $6 | 0.32% |
| TITAN INS & EMPLOYEE BENEFITS3 | 610 CLINTON SQ ROCHESTER, NY 14604 | COMPANION LIFE INSURANCE COMPANY | $89 | — | $89 | 10.00% |
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 | 112 | 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) | 112 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUE CROSS BLUE SHIELD | 69 | $498K |
| Dental | EXCELLUS BLUE CROSS BLUE SHIELD | 63 | $41K |
| Vision | EYEMED VISION CARE | 92 | $5K |
| Life insurance | COMPANION LIFE INSURANCE COMPANY | 112 | $2K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 36 | $6K |
| Other(4 contracts, 3 carriers) | MUTUAL OF OMAHA INSURANCE COMPANY | 36 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 112 | — |
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.
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.