| 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 | $82K | — | $82K | 3.12% |
| TITAN INS & EMPLOYEE BENEFITS3 Filed as: TITAN INSURANCE DBA USEBSG | 1 SOUTH CLINTON ROCHESTER, NY 14604 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $9K | — | $9K | 5.13% |
| TITAN INS & EMPLOYEE BENEFITS3 | 1 S CLINTON AVE STE 1030 ROCHESTER, NY 14604 | MUTUAL OF OMAHA INSURANCE COMPANY | $4K | $1K | $5K | 9.75% |
| TITAN INS & EMPLOYEE BENEFITS3 | 1 S CLINTON AVE STE 1030 ROCHESTER, NY 14604 | MUTUAL OF OMAHA INSURANCE COMPANY | $3K | $520 | $3K | 12.01% |
| 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 | $5K | — | $5K | 19.56% |
| PAYCHEX INSURANCE AGENCY, INC.3 | PO BOX 948 HENRIETTA, NY 14467 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. NY | $404 | — | $404 | 1.72% |
| TITAN INS & EMPLOYEE BENEFITS3 | 1 S CLINTON AVE STE 1030 ROCHESTER, NY 14604 | COMPANION LIFE INSURANCE COMPANY | $2K | $522 | $2K | 12.73% |
| TITAN INS & EMPLOYEE BENEFITS3 Filed as: TITAN INSURANCE DBA USEBSG | 1 SOUTH CLINTON AVE STE 1030 ROCHESTER, NY 14604 | COMPANION LIFE INSURANCE COMPANY | $1K | $326 | $2K | 12.33% |
| TITAN INS & EMPLOYEE BENEFITS3 | 1 S CLINTON AVE STE 1030 ROCHESTER, NY 14604 | MUTUAL OF OMAHA INSURANCE COMPANY | $666 | $155 | $821 | 12.33% |
| TITAN INS & EMPLOYEE BENEFITS3 | 1 S CLINTON AVE STE 1030 ROCHESTER, NY 14604 | MUTUAL OF OMAHA INSURANCE COMPANY | $530 | $127 | $657 | 12.39% |
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 | 293 | 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) | 293 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUE CROSS BLUE SHIELD | 197 | $2.6M |
| Dental | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | 210 | $169K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. NY | 295 | $23K |
| Life insurance(2 contracts) | COMPANION LIFE INSURANCE COMPANY | 293 | $33K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 293 | $26K |
| Prescription drug | EXCELLUS BLUE CROSS BLUE SHIELD | 197 | $2.6M |
| Other(3 contracts) | MUTUAL OF OMAHA INSURANCE COMPANY | 293 | $64K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 295 | — |
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.