| 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 1090 ROCHESTER, NY 14604 | EXCELLUS BLUE CROSS SHIELD | $43K | — | $43K | 4.03% |
| TITAN INS & EMPLOYEE BENEFITS3 | 1 S CLINTON AVE STE 1030 ROCHESTER, NY 14604 | MUTUAL OF OMAHA INSURANCE COMPANY | $1K | $492 | $2K | 14.02% |
| USB HEALTH LLC3 | 4550 STATE HIGHWAY 360 STE 190 GRAPEVINE, TX 76051 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $734 | $734 | 6.00% |
| TITAN INS & EMPLOYEE BENEFITS3 | 610 CLINTON SQ ROCHESTER, NY 14604 | MUTUAL OF OMAHA INSURANCE COMPANY | $845 | $364 | $1K | 14.30% |
| USB HEALTH LLC3 | 4550 STATE HIGHWAY 360 STE 190 GRAPEVINE, TX 76051 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $507 | $507 | 6.00% |
| TITAN INS & EMPLOYEE BENEFITS3 | 1 S CLINTON AVE STE 1030 ROCHESTER, NY 14604 | COMPANION LIFE INSURANCE COMPANY | $816 | — | $816 | 10.00% |
| USB HEALTH LLC3 | 4550 STATE HIGHWAY 360 STE 190 GRAPEVINE, TX 76051 | COMPANION LIFE INSURANCE COMPANY | — | $489 | $489 | 5.99% |
| TITAN INSURANCE3 | ONE S.CLINTON AVE SUITE 1030 ROCHESTER, NY 14601 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $812 | $79 | $891 | 11.08% |
| ALLIANCE ADVISORY GRP INC3 | 69 MONROE AVENUE PITTSFORD, NY 14534 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8 | — | $8 | 0.10% |
| TITAN INS & EMPLOYEE BENEFITS3 | 1 S CLINTON AVE STE 1030 ROCHESTER, NY 14604 | COMPANION LIFE INSURANCE COMPANY | $548 | $188 | $736 | 13.42% |
| USB HEALTH LLC3 | 4550 STATE HIGHWAY 360 STE 190 GRAPEVINE, TX 76051 | COMPANION LIFE INSURANCE COMPANY | — | $329 | $329 | 6.00% |
| TITAN INS & EMPLOYEE BENEFITS3 | 1 S CLINTON AVE STE 1030 ROCHESTER, NY 14604 | MUTUAL OF OMAHA INSURANCE COMPANY | $120 | $54 | $174 | 14.44% |
| USB HEALTH LLC3 | 4550 STATE HIGHWAY 360 STE 190 GRAPEVINE, TX 76051 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $72 | $72 | 5.98% |
| TITAN INS & EMPLOYEE BENEFITS3 | 1 S CLINTON AVE STE 1030 ROCHESTER, NY 14604 | MUTUAL OF OMAHA INSURANCE COMPANY | $55 | $23 | $78 | 14.08% |
| USB HEALTH LLC3 | 4550 STATE HIGHWAY 360 STE 190 GRAPEVINE, TX 76051 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $33 | $33 | 5.96% |
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 | 118 | 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) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUE CROSS SHIELD | 89 | $1.1M |
| Dental | EXCELLUS BLUE CROSS SHIELD | 89 | $1.1M |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 61 | $8K |
| Life insurance | COMPANION LIFE INSURANCE COMPANY | 118 | $5K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 118 | $12K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 118 | $8K |
| Prescription drug | EXCELLUS BLUE CROSS SHIELD | 89 | $1.1M |
| Other(3 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 118 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 118 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.