| 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 | $139K | — | $139K | 2.66% |
| HAUSMANN-JOHNSON INSURANCE INC3 Filed as: HAUSMANN-JOHNSON INSURANCE, INC. | PO BOX 259408 MADISON, WI 53725 | DEAN HEALTH PLAN INC. | $35K | — | $35K | 1.05% |
| TITAN INSURANCE & EMPLOYEE BENEFITS3 Filed as: TITAN INSURANCE & EMPLOYEE | 1 SOUTH CLINTON AVENUE ROCHESTER, NY 14604 | MUTUAL OF OMAHA INSURANCE COMPANY | $6K | $5K | $12K | 4.74% |
| PROSENTIAL BENEFITS LLC3 | 40 TIOGA WAY STE 230 MARBLEHEAD, MA 01945 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $3K | $3K | 1.21% |
| TITAN INSURANCE & EMPLOYEE BENEFITS3 | 1 SOUTH CLINTON AVE SUITE 1030 ROCHESTER, NY 14604 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $11K | — | $11K | 5.00% |
| TITAN INSURANCE & EMPLOYEE BENEFITS3 Filed as: TITAN INSURANCE & EMPLOYEE | 1 SOUTH CLINTON AVENUE ROCHESTER, NY 14604 | MUTUAL OF OMAHA INSURANCE COMPANY | $5K | — | $5K | 4.35% |
| US EMPLOYEE BENEFITS SERVICES GROUP3 Filed as: U.S EMPLOYEE BENEFITS SERVICES GROU | ONE SOUTH CLINTON AVE, STE. 1030 ROCHESTER, NY 14604 | EYEMED VISION CARE | $6K | — | $6K | 8.93% |
| TITAN INSURANCE & EMPLOYEE BENEFITS3 Filed as: TITAN INSURANCE & EMPLOYEE | 1 SOUTH CLINTON AVE SUITE 1030 ROCHESTER, IL 14604 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $1K | — | $1K | 5.00% |
| INGENIUM PRIME INC3 | P O BOX 259408 MADISON, WI 537159408 | DELTA DENTAL OF WISCONSIN | $17K | — | $17K | 100.00% |
| US EMPLOYEE BENEFITS SERVICES GROUP3 | ONE SOUTH CLINTON AVE, STE. 1030 ROCHESTER, NY 14604 | EYEMED VISION CARE | $573 | — | $573 | 7.47% |
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 | 1,295 | 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) | 1,295 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | EXCELLUS BLUE CROSS BLUE SHIELD | 761 | $8.5M |
| Dental | DELTA DENTAL OF WISCONSIN | 403 | $17K |
| Vision(2 contracts) | EYEMED VISION CARE | 2,044 | $78K |
| Life insurance | CIGNA LIFE INSURANCE CO. OF NEW YORK | 1,017 | $217K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 998 | $119K |
| Prescription drug | EXCELLUS BLUE CROSS BLUE SHIELD | 473 | $5.2M |
| Other(3 contracts, 2 carriers) | MUTUAL OF OMAHA INSURANCE COMPANY | 1,285 | $489K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,044 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.