| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TITAN INS & EMPLOYEE BENEFITS3 Filed as: TITAN INS. DBA US EMPL BEN SERV GR | 1 SOUTH CLINTON ROCHESTER, NY 14604 | EXCELLUS BLUE CROSS BLUE SHIELD | $95K | — | $95K | 2.72% |
| TITAN INS & EMPLOYEE BENEFITS3 Filed as: TITAN INSURANCE DBA USEBSG | 1 SOUTH CLINTON ROCHESTER, NY 14604 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $9K | — | $9K | 4.88% |
| TITAN INS & EMPLOYEE BENEFITS3 | 1 S CLINTON AVE STE 1030 ROCHESTER, NY 14604 | MUTUAL OF OMAHA INSURANCE COMPANY | $5K | $4K | $9K | 7.73% |
| STEALTH PARTNER GROUP LLC3 | 18700 N HAYDEN RD STE 405 SCOTTSDALE, AZ 85255 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $6K | $6K | 5.00% |
| TITAN INS & EMPLOYEE BENEFITS3 | 1 S CLINTON AVE STE 1030 ROCHESTER, NY 14604 | MUTUAL OF OMAHA INSURANCE COMPANY | $3K | $928 | $4K | 13.36% |
| STEALTH PARTNER GROUP LLC3 | 18700 N HAYDEN RD STE 405 SCOTTSDALE, AZ 85255 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $1K | $1K | 5.00% |
| US EMPLOYEE BENEFITS SERVICES GROUP3 | 1 SOUTH CLINTON AVE SUITE 1030 ROCHESTER, NY 14604 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. NY | $6K | — | $6K | 23.02% |
| TITAN INS & EMPLOYEE BENEFITS3 | 1 S CLINTON AVE STE 1030 ROCHESTER, NY 14604 | COMPANION LIFE INSURANCE COMPANY | $2K | $714 | $3K | 13.14% |
| U S B HEALTH LLC3 | 4550 STATE HIGHWAY 360 STE 190 ROCHESTER, NY 14604 | COMPANION LIFE INSURANCE COMPANY | — | $1K | $1K | 6.00% |
| TITAN INS & EMPLOYEE BENEFITS3 Filed as: TITAN INSURANCE DBA USEBSG | 1 SOUTH CLINTON AVE STE 1030 ROCHESTER, NY 14604 | COMPANION LIFE INSURANCE COMPANY | $1K | $482 | $2K | 13.39% |
| STEALTH PARTNER GROUP LLC3 | 18700 N HAYDEN RD STE 405 SCOTTSDALE, TX 85255 | COMPANION LIFE INSURANCE COMPANY | — | $711 | $711 | 5.00% |
| TITAN INS & EMPLOYEE BENEFITS3 | 1 S CLINTON AVE STE 1030 ROCHESTER, NY 14604 | MUTUAL OF OMAHA INSURANCE COMPANY | $676 | $229 | $905 | 13.40% |
| STEALTH PARTNER GROUP LLC3 | 18700 N HAYDEN RD STE 405 SCOTTSDALE, TX 85255 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $338 | $338 | 5.00% |
| TITAN INS & EMPLOYEE BENEFITS3 Filed as: TITAN INSURANCE AND EMP BEN AGY | 1 SOUTH CLINTON AVE ROCHESTER, NY 14604 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $752 | — | $752 | 11.15% |
| TITAN INS & EMPLOYEE BENEFITS3 | 1 S CLINTON AVE STE 1030 ROCHESTER, NY 14604 | MUTUAL OF OMAHA INSURANCE COMPANY | $533 | $176 | $709 | 13.31% |
| STEALTH PARTNER GROUP LLC3 | 18700 N HAYDEN RD STE 405 SCOTTSDALE, AZ 85255 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $266 | $266 | 4.99% |
| TITAN INS & EMPLOYEE BENEFITS3 Filed as: TITAN INSURANCE AND EMP BEN AGY | 1 SOUTH CLINTON AVE SUITE #1030 ROCHESTER, NY 14604 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $513 | — | $513 | 10.94% |
| TITAN INS & EMPLOYEE BENEFITS3 Filed as: TITAN INSURANCE AND EMP BEN AGY | 1 SOUTH CLINTON AVE SUITE #1030 ROCHESTER, NY 14604 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $214 | — | $214 | 5.06% |
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 | 299 | 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) | 299 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUE CROSS BLUE SHIELD | 202 | $3.5M |
| Dental | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | 213 | $184K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. NY | 154 | $25K |
| Life insurance(3 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 299 | $44K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 299 | $28K |
| Prescription drug | EXCELLUS BLUE CROSS BLUE SHIELD | 202 | $3.5M |
| Other(6 contracts, 2 carriers) | MUTUAL OF OMAHA INSURANCE COMPANY | 299 | $147K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 299 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.