| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TITAN INS & EMPLOYEE BENEFITS3 Filed as: TITAN INSURANCE DBA EMPL BENEFITS S | 1 SOUTH CLINTON AVE, SUITE 1030 ROCHESTER, NY 14604 | EXCELLUS BCBS | $93K | — | $93K | 2.77% |
| TITAN INS & EMPLOYEE BENEFITS3 Filed as: TITAN INSURANCE AND EMPLOYEE BEN | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | $11K | $22K | 7.38% |
| USB HEALTH LLC3 | 4550 STATE HWY 360 STE 190 GRAPEVINE, TX 76051 | THE LINCOLN NATIONAL INSURANCE COMPANY | $16K | $6K | $22K | 17.62% |
| TITAN INS & EMPLOYEE BENEFITS3 | 1 SOUTH CLINTON ST STE 1030 ROCHESTER, NY 14604 | THE LINCOLN NATIONAL INSURANCE COMPANY | $2K | — | $2K | 1.98% |
| USB HEALTH LLC3 | 4550 STATE HWY 360 STE 190 GRAPEVINE, TX 76051 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | $4K | $16K | 17.06% |
| TITAN INS & EMPLOYEE BENEFITS3 Filed as: TITAN INS& EMPLOYEE BENEFITS | 1 SOUTH CLINTON ST STE 1030 ROCHESTER, NY 14604 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 2.36% |
| USB HEALTH LLC3 | 4550 STATE HWY 360 STE 190 GRAPEVINE, TX 76051 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $3K | $12K | 16.78% |
| TITAN INS & EMPLOYEE BENEFITS3 | 1 SOUTH CLINTON AVE ST STE 1030 ROCHESTER, NY 14604 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 2.65% |
| USB HEALTH LLC3 | 4550 STATE HWY 360 STE 190 GRAPEVINE, TX 76051 | THE LINCOLN LIFE INSURANCE COMPANY | $9K | $3K | $12K | 16.59% |
| TITAN INS & EMPLOYEE BENEFITS3 | 1 SOUTH CLINTON AVE ST STE 1030 ROCHESTER, NY 14604 | THE LINCOLN LIFE INSURANCE COMPANY | $2K | — | $2K | 2.88% |
| USB HEALTH LLC3 | 4550 STATE HWY 360 STE 190 GRAPEVINE, TX 76051 | THE LINCOLN NATIONAL INSURANCE COMPANY | $358 | $139 | $497 | 15.65% |
| TITAN INS & EMPLOYEE BENEFITS3 | 1 SOUTH CLINTON ST STE 1030 ROCHESTER, NY 14604 | THE LINCOLN NATIONAL INSURANCE COMPANY | $119 | — | $119 | 3.75% |
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 | 471 | 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) | 471 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BCBS | 326 | $3.4M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 356 | $296K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 356 | $296K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 471 | $73K |
| Long-term disability | THE LINCOLN NATIONAL INSURANCE COMPANY | 471 | $126K |
| Prescription drug | EXCELLUS BCBS | 326 | $3.4M |
| Other(4 contracts, 3 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 471 | $245K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 471 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.