| 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 | $89K | — | $89K | 2.88% |
| TITAN INS & EMPLOYEE BENEFITS3 Filed as: TITAN INSURANCE DBA USEBSG | 1 SOUTH CLINTON ROCHESTER, NY 14604 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $9K | — | $9K | 5.02% |
| U S B HEALTH LLC3 | 4550 STATE HIGHWAY 360 STE 190 GRAPEVINE, TX 76051 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $7K | $7K | 6.05% |
| TITAN INS & EMPLOYEE BENEFITS3 | 1 S CLINTON AVE STE 1030 ROCHESTER, NY 14604 | MUTUAL OF OMAHA INSURANCE COMPANY | $5K | $1K | $7K | 5.84% |
| TITAN INS & EMPLOYEE BENEFITS3 | 1 S CLINTON AVE STE 1030 ROCHESTER, NY 14604 | MUTUAL OF OMAHA INSURANCE COMPANY | $3K | $588 | $3K | 12.23% |
| U S B HEALTH LLC3 | 4550 STATE HIGHWAY 360 STE 190 GRAPEVINE, TX 76051 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $1K | $1K | 4.99% |
| 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 | $2K | — | $2K | 8.34% |
| TITAN INS & EMPLOYEE BENEFITS3 | 1 S CLINTON AVE STE 1030 ROCHESTER, NY 14604 | COMPANION LIFE INSURANCE COMPANY | $2K | $437 | $2K | 12.13% |
| U S B HEALTH LLC3 | 4550 STATE HIGHWAY 360 STE 190 ROCHESTER, NY 14604 | COMPANION LIFE INSURANCE COMPANY | — | $1K | $1K | 5.01% |
| TITAN INS & EMPLOYEE BENEFITS3 Filed as: TITAN INSURANCE DBA USEBSG | 1 SOUTH CLINTON AVE STE 1030 ROCHESTER, NY 14604 | COMPANION LIFE INSURANCE COMPANY | $1K | $324 | $2K | 12.33% |
| U S B HEALTH LLC3 | 4550 STATE HIGHWAY 360 STE 190 GRAPEVINE, TX 76051 | COMPANION LIFE INSURANCE COMPANY | — | $695 | $695 | 4.99% |
| 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 | $768 | — | $768 | 8.31% |
| TITAN INS & EMPLOYEE BENEFITS3 | 1 S CLINTON AVE STE 1030 ROCHESTER, NY 14604 | MUTUAL OF OMAHA INSURANCE COMPANY | $661 | $154 | $815 | 12.32% |
| U S B HEALTH LLC3 | 4550 STATE HIGHWAY 360 STE 190 GRAPEVINE, TX 76051 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $330 | $330 | 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 | $455 | — | $455 | 8.38% |
| TITAN INS & EMPLOYEE BENEFITS3 | 1 S CLINTON AVE STE 1030 ROCHESTER, NY 14604 | MUTUAL OF OMAHA INSURANCE COMPANY | $502 | $122 | $624 | 12.44% |
| U S B HEALTH LLC3 | 4550 STATE HIGHWAY 360 STE 190 GRAPEVINE, TX 76051 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $250 | $250 | 4.98% |
| 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 | $226 | — | $226 | 4.54% |
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 | 198 | $3.1M |
| Dental | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | 211 | $175K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. NY | 148 | $23K |
| Life insurance(3 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 293 | $41K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 293 | $26K |
| Prescription drug | EXCELLUS BLUE CROSS BLUE SHIELD | 198 | $3.1M |
| Other(6 contracts, 2 carriers) | MUTUAL OF OMAHA INSURANCE COMPANY | 293 | $143K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 293 | — |
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.