| 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 | $120K | — | $120K | 1.24% |
| TITAN INS & EMPLOYEE BENEFITS3 Filed as: TITAN INSURANCE AND EMPLOYEE BEN | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | $13K | $23K | 5.84% |
| TITAN INS & EMPLOYEE BENEFITS3 | 1 SOUTH CLINTON ST STE 1030 ROCHESTER, NY 14604 | THE LINCOLN NATIONAL INSURANCE COMPANY | $19K | — | $19K | 15.00% |
| USB HEALTH LLC3 | 4550 STATE HWY 360 STE 190 GRAPEVINE, TX 76051 | THE LINCOLN NATIONAL INSURANCE COMPANY | — | $7K | $7K | 5.47% |
| TITAN INS & EMPLOYEE BENEFITS3 | 1 SOUTH CLINTON ST STE 1030 ROCHESTER, NY 14604 | THE LINCOLN NATIONAL INSURANCE COMPANY | $18K | — | $18K | 15.00% |
| USB HEALTH LLC3 | 4550 STATE HWY 360 STE 190 GRAPEVINE, TX 76051 | THE LINCOLN NATIONAL INSURANCE COMPANY | — | $6K | $6K | 5.46% |
| TITAN INS & EMPLOYEE BENEFITS3 Filed as: TITAN INS& EMPLOYEE BENEFITS | 1 SOUTH CLINTON ST STE 1030 ROCHESTER, NY 14604 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $17K | — | $17K | 15.00% |
| USB HEALTH LLC3 | 4550 STATE HWY 360 STE 190 GRAPEVINE, TX 76051 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $6K | $6K | 5.44% |
| TITAN INS & EMPLOYEE BENEFITS3 | 1 SOUTH CLINTON AVE ST STE 1030 ROCHESTER, NY 14604 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | — | $13K | 15.00% |
| USB HEALTH LLC3 | 4550 STATE HWY 360 STE 190 GRAPEVINE, TX 76051 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $5K | $5K | 5.49% |
| TITAN INS & EMPLOYEE BENEFITS3 Filed as: TITAN INS AND EMPLOYEE BENEFIT | 1 S CLINTON AVE STE 1030 ROCHESTER, NY 14604 | SYMETRA LIFE INSURANCE COMPANY | $6K | — | $6K | 20.90% |
| MICHAEL GUROWSKI3 | 205 SOUTHSHORE WEBSTER, NY 14580 | BEAZLEY INSURANCE COMPANY INC | $3K | — | $3K | 20.00% |
| DOUG KRESZL3 | 4 WICKLOW COURT WAYNE, PA 19087 | BEAZLEY INSURANCE COMPANY INC | $523 | — | $523 | 3.00% |
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 | 460 | 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) | 460 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BCBS | 368 | $9.7M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 384 | $400K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 384 | $400K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 460 | $88K |
| Long-term disability | THE LINCOLN NATIONAL INSURANCE COMPANY | 464 | $126K |
| Prescription drug | EXCELLUS BCBS | 368 | $9.7M |
| Other(5 contracts, 4 carriers) | THE LINCOLN NATIONAL INSURANCE COMPANY | 460 | $365K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 464 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.