| 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 | $26K | — | $26K | 4.31% |
| 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 | $5K | — | $5K | 9.90% |
| TITAN INS & EMPLOYEE BENEFITS3 | 610 CLINTON SQ ROCHESTER, NY 14604 | MUTUAL OF OMAHA INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
| TITAN INS & EMPLOYEE BENEFITS5 | 610 CLINTON SQ ROCHESTER, NY 14604 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $570 | $570 | 3.66% |
| TITAN INS & EMPLOYEE BENEFITS3 | 610 CLINTON SQ ROCHESTER, NY 14604 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $480 | $480 | 3.08% |
| PROSENTIAL BENEFITS LLC3 Filed as: PROSENTIAL BENEFITS, LLC | 40 TIOGA WAY STE 230 MARBLEHEAD, MA 01945 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $274 | $274 | 1.76% |
| TITAN INS & EMPLOYEE BENEFITS3 | 610 CLINTON SQ ROCHESTER, NY 14604 | COMPANION LIFE INSURANCE COMPANY | $2K | $602 | $2K | 13.92% |
| TITAN INS & EMPLOYEE BENEFITS5 | 610 CLINTON SQ ROCHESTER, NY 14604 | COMPANION LIFE INSURANCE COMPANY | — | $570 | $570 | 3.71% |
| PROSENTIAL BENEFITS LLC3 Filed as: PROSENTIAL BENEFITS, LLC | 40 TIOGA WAY STE 230 MARBLEHEAD, MA 01945 | COMPANION LIFE INSURANCE COMPANY | — | $344 | $344 | 2.24% |
| TITAN INS & EMPLOYEE BENEFITS3 | 610 CLINTON SQ ROCHESTER, NY 14604 | MUTUAL OF OMAHA INSURANCE COMPANY | $2K | $572 | $2K | 13.77% |
| TITAN INS & EMPLOYEE BENEFITS5 | 610 CLINTON SQ ROCHESTER, NY 14604 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $570 | $570 | 3.76% |
| PROSENTIAL BENEFITS LLC3 Filed as: PROSENTIAL BENEFITS, LLC | 40 TIOGA WAY STE 230 MARBLEHEAD, MA 01945 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $327 | $327 | 2.16% |
| TITAN INSURANCE AND EMPLOYEE B3 | ONE S.CLINTON AVE SUITE 1030 ROCHESTER, NY 14604 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 10.00% |
| 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 | — | $449 | $449 | 3.90% |
| ALLIANCE ADVISORY GRP INC3 | 600 DELAWARE AVENUE BUFFALO, NY 14202 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $23 | — | $23 | 0.20% |
| U.S. EMPLOYEE BENEFITS SERVICES GRO3 | 4550 STATE HWY. 360, SUITE 190 GRAPEVINE, TX 76051 | EYEMED VISION CARE | $1K | — | $1K | 18.59% |
| TITAN INS & EMPLOYEE BENEFITS5 | 610 CLINTON SQ ROCHESTER, NY 14604 | COMPANION LIFE INSURANCE COMPANY | $0 | $570 | $570 | 25.39% |
| TITAN INS & EMPLOYEE BENEFITS3 | 610 CLINTON SQ ROCHESTER, NY 14604 | COMPANION LIFE INSURANCE COMPANY | $225 | $0 | $225 | 10.02% |
| TITAN INS & EMPLOYEE BENEFITS3 | 610 CLINTON SQ 66 ROCHESTER, NY 14604 | COMPANION LIFE INSURANCE COMPANY | — | $84 | $84 | 3.74% |
| PROSENTIAL BENEFITS LLC3 Filed as: PROSENTIAL BENEFITS, LLC | 40 TIOGA WAY STE 230 MARBLEHEAD, MA 01945 | COMPANION LIFE INSURANCE COMPANY | — | $19 | $19 | 0.85% |
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 | 121 | 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) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUE CROSS BLUE SHIELD | 72 | $605K |
| Dental | EXCELLUS BLUE CROSS BLUE SHIELD | 69 | $46K |
| Vision | EYEMED VISION CARE | 99 | $8K |
| Life insurance | COMPANION LIFE INSURANCE COMPANY | 121 | $2K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 43 | $12K |
| Other(4 contracts, 3 carriers) | MUTUAL OF OMAHA INSURANCE COMPANY | 45 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 121 | — |
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.