| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USRP INSURANCE AGENCY LLC3 | 1 S CLINTON AVE STE 1030 ROCHESTER, NY 14604 | MVP HEALTHCARE | $13K | — | $13K | 4.64% |
| TITAN INS & EMPLOYEE BENEFITS3 Filed as: TITAN INS. DBA US EMPLOYEE | BENEFITS SERVICE 1 S CLINTON AVE STE 1030 ROCHESTER, NY 14604 | EXCELLUS BLUE CROSS BLUE SHIELD | $3K | — | $3K | 11.30% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY INC | 800 PARKER HILL RD STE 100 ROCHESTER, NY 14625 | EXCELLUS BLUE CROSS BLUE SHIELD | $38 | — | $38 | 0.16% |
| TITAN INSURANCE & EMPLOYEE BENEFITS3 | 1 SOUTH CLINTON AVE STE 1030 ROCHESTER, NY 14604 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $2K | — | $2K | 10.07% |
| TITAN INSURANCE & EMPLOYEE BENEFITS3 | 1 SOUTH CLINTON AVE STE 1030 ROCHESTER, NY 14604 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $2K | — | $2K | 14.75% |
| TITAN INSURANCE & EMPLOYEE BENEFITS3 Filed as: TITAN INSURANCE AND EMPLOYEE | BENEFITS ONE S CLINTON AVE STE 1030 ROCHESTER, NY 14604 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $451 | — | $451 | 10.00% |
| ALLIANCE ADVISORY GRP INC3 Filed as: ALLIANCE ADVISORY GROUP | 69 MONROE AVE ADDRESS WAS NOT NOTED ON SCHEDULE PITTSFORD, NY 14534 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9 | — | $9 | 0.20% |
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 | 116 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MVP HEALTHCARE | 26 | $273K |
| Dental | EXCELLUS BLUE CROSS BLUE SHIELD | 39 | $24K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 32 | $5K |
| Life insurance | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 116 | $18K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 116 | $14K |
| Prescription drug | MVP HEALTHCARE | 26 | $273K |
| Other | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 116 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 116 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.