| 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 | $33K | — | $33K | 4.45% |
| TITAN INS & EMPLOYEE BENEFITS3 Filed as: TITAN INS DBA USEBSG | 1 SOUTH CLINTON ROCHESTER, NY 14604 | EXCELLUS BLUE CROSS BLUE SHIELD | $9K | — | $9K | 4.61% |
| TITAN INS & EMPLOYEE BENEFITS3 | 1 SOUTH CLINTON ST STE 1030 ROCHESTER, NY 14604 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $18K | — | $18K | 15.00% |
| U S B HEALTH LLC3 Filed as: U S B HEALTH | 99 WOOD AVE S STE 501 ROCHESTER, NY 14604 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $1K | $1K | 0.90% |
| 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 | $6K | — | $6K | 20.15% |
| TITAN INS & EMPLOYEE BENEFITS3 | 1 SOUTH CLINTON ST STE 1030 ROCHESTER, NY 14604 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $1K | $949 | $2K | 23.12% |
| U S B HEALTH LLC3 | 99 WODD AVE S STE 501 ISELIN, NJ 08830 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $513 | $513 | 5.87% |
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 | 606 | 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) | 606 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUECROSS BLUESHIELD | 35 | $752K |
| Dental | EXCELLUS BLUE CROSS BLUE SHIELD | 311 | $204K |
| Vision | EYEMED VISION CARE | 490 | $31K |
| Life insurance | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 606 | $9K |
| Short-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 150 | $120K |
| Prescription drug | EXCELLUS BLUECROSS BLUESHIELD | 35 | $752K |
| Other | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 606 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 606 | — |
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.