| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TITAN INSURANCE3 | 1 SOUTH CLINTON AVE, SUITE 1030 ROCHESTER, NY 14604 | EXCELLUS BLUECROSS BLUESHIELD | $47K | — | $47K | 4.21% |
| TITAN INSURANCE3 | 1 SOUTH CLINTON AVE, SUITE 1030 ROCHESTER, NY 14604 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $3K | $2K | $5K | 5.34% |
| TITAN INSURANCE & EMPLOYEE BENEFITS3 | 1 SOUTH CLINTON AVE, SUITE 1030 ROCHESTER, NY 14604 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $5K | — | $5K | 15.00% |
| USB HEALTH LLC3 | 4550 STATE HWY 360 STE 190 GRAPEVINE, TX 76051 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $2K | $2K | 5.27% |
| TITAN INS & EMPLOYEE BENEFITS3 Filed as: TITAN ISURANCE & EMPLOYEE BENEFITS | 1 SOUTH CLINTON AVE, SUITE 1030 ROCHESTER, NY 14604 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $3K | — | $3K | 15.00% |
| USB HEALTH LLC3 | 4550 STATE HWY 360 STE 190 GRAPEVINE, TX 76051 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $975 | $975 | 4.81% |
| TITAN INSURANCE & EMPLOYEE BENEFITS3 | 1 SOUTH CLINTON AVE, SUITE 1030 ROCHESTER, NY 14604 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $2K | — | $2K | 15.00% |
| USB HEALTH LLC3 Filed as: USB HEALTH | 4550 STATE HWY 360 STE 190 GRAPEVINE, TX 76051 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $604 | $604 | 5.05% |
| TITAN INSURANCE & EMPLOYEE BENEFITS3 | 1 SOUTH CLINTON AVE, SUITE 1030 ROCHESTER, NY 14604 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $938 | — | $938 | 9.99% |
| JGB HEALTH LLC3 | 4550 STATE HWY 360 STE 190 GRAPEVINE, TX 76051 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $248 | $248 | 2.64% |
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 | 152 | 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) | 152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUECROSS BLUESHIELD | 127 | $1.1M |
| Dental | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 150 | $92K |
| Vision | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 105 | $9K |
| Life insurance | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 152 | $37K |
| Short-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 69 | $20K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 60 | $12K |
| Prescription drug | EXCELLUS BLUECROSS BLUESHIELD | 127 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 152 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.