| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TITAN INS & EMPLOYEE BENEFITS3 Filed as: TITAN INS DBA US EMPI BENEFITS | 1 SOUTH CLINTON AVE, SUITE 1030 ROCHESTER, NY 14604 | EXCELLUS BLUE CROSS BLUESHIELD | $3K | — | $3K | 0.53% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SVCS INC | 45 EAST AVENUE # 700 ROCHESTER, NY 14604 | EXCELLUS BLUE CROSS BLUESHIELD | $846 | — | $846 | 0.16% |
| TITAN INS & EMPLOYEE BENEFITS3 | 1 SOUTH CLINTON AVE STE 1030 ROCHESTER, NY 14604 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $3K | $3K | $7K | 7.19% |
| U S B HEALTH LLC3 | 99 WOOD AVE S STE 501 ISELIN, NJ 08830 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $2K | $2K | 1.80% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SERVICES | 45 EAST AVE ROCHESTER, NY 14604 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $352 | — | $352 | 0.38% |
| TITAN INS & EMPLOYEE BENEFITS3 | 1 SOUTH CLINTON AVE STE 1030 ROCHESTER, NY 14604 | LINCOLN LIFE & ANNUITY COMPANY OF NY | $4K | $2K | $5K | 11.92% |
| U S B HEALTH LLC3 | 99 WOOD AVE S STE 501 ISELIN, NJ 08830 | LINCOLN LIFE & ANNUITY COMPANY OF NY | — | $799 | $799 | 1.79% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SERVICES | 45 EAST AVE ROCHESTER, NY 14604 | LINCOLN LIFE & ANNUITY COMPANY OF NY | $570 | — | $570 | 1.28% |
| TITAN INS & EMPLOYEE BENEFITS3 | 1 SOUTH CLINTON ST STE 1030 ROCHESTER, NY 14604 | LINCOLN LIFE & ANNUITY COMPANY OF NY | $3K | $902 | $4K | 15.59% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SERVICES INC | 45 EAST AVE ROCHESTER, NY 14604 | LINCOLN LIFE & ANNUITY COMPANY OF NY | $766 | — | $766 | 3.31% |
| U S B HEALTH LLC3 | 99 WOOD AVE S STE 501 ISELIN, NJ 08830 | LINCOLN LIFE & ANNUITY COMPANY OF NY | — | $316 | $316 | 1.36% |
| US EMPLOYEE BENEFITS SERVICES GROUP3 Filed as: U.S. EMPLOYEE BENEFITS SERVICES | ONE SOUTH CLINTON AVE STE 1030 ROCHESTER, NY 14604 | EYEMED VISION CARE | $2K | — | $2K | 10.81% |
| PAMELA J. MORGAN4 Filed as: PAMELA J MORGAN | 19 LAMBTON CIR ROCHESTER, NC 14626 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $784 | — | $784 | 10.17% |
| A SECURE YOU INC4 | 63 SABLE RUN EAST AMHERST, NY 14051 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $416 | — | $416 | 5.40% |
| LAWLEY BENEFITS GROUP LLC4 Filed as: LAWLEY SERVICES INC | 361 DELAWARE AVE BUFFALO, NY 14202 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $270 | — | $270 | 3.50% |
| TITAN INS & EMPLOYEE BENEFITS3 | 1 SOUTH CLINTON ST STE 1030 ROCHESTER, NY 14604 | LINCOLN LIFE & ANNUITY COMPANY OF NY | $887 | — | $887 | 12.04% |
| USB HEALTH LLC3 | 99 WOOD AVE S STE 501 ISELIN, NJ 08830 | LINCOLN LIFE & ANNUITY COMPANY OF NY | — | $280 | $280 | 3.80% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SERVICES | 45 EAST AVE ROCHESTER, NY 14604 | LINCOLN LIFE & ANNUITY COMPANY OF NY | $218 | — | $218 | 2.96% |
| TITAN INS & EMPLOYEE BENEFITS3 | 1 SOUTH CLINTON ST STE 1030 ROCHESTER, NY 14604 | LINCOLN LIFE & ANNUITY CO OF NY | $578 | — | $578 | 8.27% |
| USB HEALTH LLC3 | 99 WOOD AVE S STE 501 ISELIN, NJ 08830 | LINCOLN LIFE & ANNUITY CO OF NY | — | $297 | $297 | 4.25% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SERVICES | 45 EAST AVE ROCHESTER, NY 14604 | LINCOLN LIFE & ANNUITY CO OF NY | $121 | — | $121 | 1.73% |
| TITAN INSURANCE3 | 1 SOUTH CLINTON ST STE 1030 ROCHESTER, NY 14604 | LINCOLN LIFE & ANNUITY COMPANY OF NY | $399 | $141 | $540 | 11.48% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SERVICES | 45 EAST AVE ROCHESTER, NY 14604 | LINCOLN LIFE & ANNUITY COMPANY OF NY | $226 | — | $226 | 4.81% |
| U S B HEALTH LLC3 | 99 WOOD AVE S STE 501 ISELIN, NJ 08830 | LINCOLN LIFE & ANNUITY COMPANY OF NY | — | $210 | $210 | 4.47% |
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 | 259 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 22 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 281 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE | 292 | $18K |
| Life insurance | LINCOLN LIFE & ANNUITY COMPANY OF NY | 259 | $5K |
| Short-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 259 | $92K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NY | 259 | $45K |
| Stop-loss / reinsurancereinsurance | EXCELLUS BLUE CROSS BLUESHIELD | 222 | $516K |
| Other(6 contracts, 4 carriers) | LINCOLN LIFE & ANNUITY COMPANY OF NY | 280 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 292 | — |
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."
No prospect flags tripped on this filing.