| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TITAN INSURANCE & EMPLOYEE BENEFITS3 | 1 SOUTH CLINTON AVE, SUITE 1030 ROCHESTER, NY 14604 | EXCELLUS BLUECROSS BLUESHIELD | $34K | — | $34K | 4.30% |
| TITAN INSURANCE3 | 1 SOUTH CLINTON AVE, SUITE 1030 ROCHESTER, NY 14604 | THE GUARDIAN LIFE INSRUANCE COMPANY OF AMERICA | $5K | $4K | $10K | 9.92% |
| TITAN INS & EMPLOYEE BENEFITS3 | 1 SOUTH CLINTON ST STE 1030 ROCHESTER, NY 14604 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $2K | — | $2K | 15.00% |
| USB HEALTH LLC3 | 4550 STATE HWY 360 STE 190 GRAPEVINE, TX 76051 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $1K | $1K | 9.23% |
| TITAN INSURANCE & EMPLOYEE BENEFITS3 | 1 SOUTH CLINTON AVE ST STE 1030 ROCHESTER, NY 14604 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $2K | — | $2K | 15.00% |
| USB HEALTH LLC3 | 4550 STATE HWY 360 STE 190 GRAPEVINE, TX 76051 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $1K | $1K | 10.27% |
| TITAN INS & EMPLOYEE BENEFITS3 | 1 SOUTH CLINTON ST STE 1030 ROCHESTER, NY 14604 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $2K | — | $2K | 15.00% |
| USB HEALTH LLC3 | 4550 STATE HWY 360 STE 190 GRAPEVINE, TX 76051 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $1K | $1K | 9.91% |
| TITAN INS & EMPLOYEE BENEFITS3 | 1 SOUTH CLINTON ST STE 1030 ROCHESTER, NY 14604 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $736 | — | $736 | 12.93% |
| USB HEALTH LLC3 Filed as: USB HEATLH LLC | 4550 STATE HWY 360 STE 190 GRAPEVINE, TX 76051 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | — | $567 | $567 | 9.96% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENEFIT RESOURCE, INC. PLAN ADMIN | Insurance services Service code 23 | 245 KENNETH DR ROCHESTER, NY 14623 | $0 |
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 | 169 | 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) | 169 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUECROSS BLUESHIELD | 118 | $779K |
| Dental | THE GUARDIAN LIFE INSRUANCE COMPANY OF AMERICA | 140 | $96K |
| Vision | THE GUARDIAN LIFE INSRUANCE COMPANY OF AMERICA | 140 | $96K |
| Life insurance | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 169 | $6K |
| Short-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 53 | $14K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 156 | $13K |
| Prescription drug | EXCELLUS BLUECROSS BLUESHIELD | 118 | $779K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSRUANCE COMPANY OF AMERICA | 140 | $108K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 169 | — |
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.