| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TITAN INS & EMPLOYEE BENEFITS3 Filed as: TITAN INS DBA US EMPL BENEFITS SVC | 1 SOUTH CLINTON AVE, SUITE 1030 ROCHESTER, NY 14604 | EXCELLUS BLUECROSS BLUESHIELD | $168K | — | $168K | 3.96% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: EXCELLUS BLUECROSS BLUESHIELD | 85 METRO PARK SUITE 100 ROCHESTER, NY 14623 | EXCELLUS BLUE CROSS BLUE SHIELD | $10K | — | $10K | 3.88% |
| TITAN INS & EMPLOYEE BENEFITS3 | 1 SOUTH CLINTON ST STE 1030 ROCHESTER, NY 14604 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $12K | — | $12K | 15.00% |
| U S B HEALTH LLC3 | 4550 HWY 360 STE 190 GRAPEVINE, TX 76051 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $4K | $4K | 4.55% |
| US EMPLOYEE BENEFITS SERVICES GROUP3 Filed as: U.S EMPLOYEE BENEFITS SERVICES GROU | ONE SOUTH CLINTON AVE, STE. 1030 ROCHESTER, NY 14604 | EYEMED VISION CARE | — | $9K | $9K | 23.40% |
| TITAN INS & EMPLOYEE BENEFITS3 | 1 SOUTH CLINTON ST STE 1030 ROCHESTER, NY 14604 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $2K | $698 | $2K | 16.53% |
| U S B HEALTH LLC3 | 4550 HWY 360 STE 190 GRAPEVINE, TX 76051 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $747 | $747 | 5.35% |
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 | 689 | 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) | 689 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUECROSS BLUESHIELD | 319 | $4.3M |
| Dental | EXCELLUS BLUE CROSS BLUE SHIELD | 381 | $255K |
| Vision | EYEMED VISION CARE | 617 | $36K |
| Life insurance | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 689 | $14K |
| Prescription drug | EXCELLUS BLUECROSS BLUESHIELD | 319 | $4.3M |
| Other(2 contracts) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 689 | $92K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 689 | — |
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.