| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USRP INSURANCE AGENCY LLC3 | UNKNOWN ROCHESTER, NY 14608 | MVP HEALTHCARE | $18K | $0 | $18K | 4.26% |
| TITAN INS & EMPLOYEE BENEFITS3 Filed as: TITAN INS. EMPLOYEE BEN AGENCY LLC | ONE SOUTH CLINTON AVENUE SUITE 1030 ROCHESTER, VA 14604 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $5K | $0 | $5K | 10.14% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $457 | $0 | $457 | 0.96% |
| TITAN INSURANCE & EMPLOYEE BENEFITS3 Filed as: TITAN INSURANCE EMPLOYEE | ONE SOUTH CLINTON AVENUE SUITE 1030 ROCHESTER, NY 14604 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 7.65% |
| ALLIANCE ADVISORY GRP INC3 Filed as: ALLIANCE ADVISORY GROUP INC | UNKNOWN ROCHESTER, NY 14608 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $22 | $0 | $22 | 0.07% |
| TITAN INS & EMPLOYEE BENEFITS3 Filed as: TITAN INS. EMPLOYEE BEN AGENCY LLC | ONE SOUTH CLINTON AVENUE SUITE 1030 ROCHESTER, NY 14604 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $2K | $0 | $2K | 7.34% |
| USB HEALTH LLC3 | 4550 HWY 360, SUITE 190 GRAPEVINE, TX 76034 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $0 | $479 | $479 | 1.60% |
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 | 159 | 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) | 159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MVP HEALTHCARE | 59 | $434K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 56 | $32K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 56 | $32K |
| Life insurance | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | 159 | $30K |
| Short-term disability | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 123 | $48K |
| Long-term disability | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 123 | $48K |
| Prescription drug | MVP HEALTHCARE | 59 | $434K |
| Other | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | 159 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 159 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.