| 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 | $143K | — | $143K | 2.36% |
| HAUSMANN-JOHNSON INSURANCE INC3 Filed as: HAUSMANN GROUP-HG | 740 REGENT STREET #400 MADISON, WI 53715 | DEAN HEALTH PLAN | $34K | — | $34K | 0.88% |
| TITAN INSURANCE & EMPLOYEE BENEFITS3 | 1 SOUTH CLINTON AVE SUITE 1030 ROCHESTER, NY 14604 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $14K | $4K | $18K | 6.57% |
| TITAN INSURANCE & EMPLOYEE BENEFITS3 Filed as: TITAN INSURANCE & EMPLOYEE | 1 SOUTH CLINTON AVENUE ROCHESTER, NY 14604 | CIGNA GROUP INSURANCE | $5K | $12K | $17K | 6.73% |
| TITAN INSURANCE & EMPLOYEE BENEFITS3 Filed as: TITAN INSURANCE & EMPLOYEE | 1 SOUTH CLINTON AVENUE ROCHESTER, NY 14604 | CIGNA GROUP INSURANCE | $5K | $3K | $8K | 5.86% |
| US EMPLOYEE BENEFITS SERVICES GROUP3 | ONE SOUTH CLINTON AVE, STE. 1030 ROCHESTER, NY 14604 | EYEMED VISION CARE | — | $13K | $13K | 12.96% |
| 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 | $2K | $657 | $3K | 6.91% |
| 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 | $2K | — | $2K | 5.14% |
| TITAN INSURANCE & EMPLOYEE BENEFITS3 Filed as: TITAN INSURANCE & EMPLOYEE | 1 SOUTH CLINTON AVENUE ROCHESTER, NY 14604 | LIFETIME BENEFIT SOLUTIONS | $2K | $8K | $10K | 33.59% |
| TITAN INS & EMPLOYEE BENEFITS3 Filed as: TITAN INS DBA US EMPL BENEFITS SVC | 1 SOUTH CLINTON AVE ROCHESTER, NY 14604 | EXCELLUS BLUE CROSS BLUE SHIELD | $720 | — | $720 | 2.96% |
| INGENIUM PRIME INC3 | P O BOX 259408 MADISON, WI 537159408 | DELTA DENTAL OF WISCONSIN | $1K | — | $1K | 6.52% |
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 | 1,071 | 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) | 1,071 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | EXCELLUS BLUE CROSS BLUE SHIELD | 777 | $10.0M |
| Dental(2 contracts, 2 carriers) | LIFETIME BENEFIT SOLUTIONS | 592 | $49K |
| Vision | EYEMED VISION CARE | 2,271 | $104K |
| Life insurance | CIGNA LIFE INSURANCE CO. OF NEW YORK | 1,071 | $280K |
| Long-term disability | CIGNA GROUP INSURANCE | 574 | $133K |
| Prescription drug | EXCELLUS BLUE CROSS BLUE SHIELD | 527 | $6.1M |
| Other(3 contracts, 2 carriers) | CIGNA LIFE INSURANCE CO. OF NEW YORK | 1,354 | $575K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,271 | — |
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.