| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TITAN INSURANCE3 | 610 CLINTON SQUARE ROCHESTER, NY 14604 | HIGHMARK | $34K | — | $34K | 3.06% |
| TITAN INSURANCE3 | 610 CLINTON SQUARE ROCHESTER, NY 14604 | LINCOLN LIFE & ANNUITY COMPANY | $3K | — | $3K | 6.92% |
| STEALTH PARTNER GROUP LLC3 | 18700 N HAYDEN RD STE 405 SCOTTSDALE, AZ 85255 | LINCOLN LIFE & ANNUITY COMPANY | — | $2K | $2K | 5.00% |
| U S B HEALTH LLC3 Filed as: U S B HEALTH | 4550 HWY 360 STE 190 GRAPEVINE, TX 76051 | LINCOLN LIFE & ANNUITY COMPANY | — | $1K | $1K | 3.79% |
| TITAN INS & EMPLOYEE BENEFITS3 Filed as: TITAN INSURANCE AND EMPLOYEE BENEFI | 1 SOUTH CLINTON AVE SUITE 1030 ROCHESTER, NY 14604 | GUARDIAN LIFE | $3K | $521 | $4K | 14.09% |
| TITAN INSURANCE3 | 610 CLINTON SQUARE ROCHESTER, NY 14604 | LINCOLN LIFE AND ANNUITY | $2K | — | $2K | 14.71% |
| STEALTH PARTNER GROUP LLC3 | 18700 N HAYDEN RD STE 405 SCOTTSDALE, AZ 85255 | LINCOLN LIFE AND ANNUITY | — | $796 | $796 | 5.00% |
| U S B HEALTH LLC3 Filed as: U S B HEALTH | 4550 HWY 360 STE 190 GRAPEVINE, TX 76051 | LINCOLN LIFE AND ANNUITY | — | $518 | $518 | 3.25% |
| TITAN INSURANCE3 | 610 CLINTON SQUARE ROCHESTER, NY 14604 | LINCOLN LIFE & ANNUITY | $1K | — | $1K | 11.50% |
| STEALTH PARTNER GROUP LLC3 | 18700 N HAYDEN RD STE 405 SCOTTSDALE, AZ 85255 | LINCOLN LIFE & ANNUITY | — | $585 | $585 | 5.00% |
| U S B HEALTH LLC3 Filed as: U S B HEALTH | 4550 HWY 360 STE 190 GRAPEVINE, TX 76051 | LINCOLN LIFE & ANNUITY | — | $445 | $445 | 3.81% |
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 | 126 | 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) | 126 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK | 107 | $1.1M |
| Dental | GUARDIAN LIFE | 113 | $27K |
| Vision | GUARDIAN LIFE | 113 | $27K |
| Life insurance | LINCOLN LIFE & ANNUITY | 125 | $12K |
| Long-term disability | LINCOLN LIFE AND ANNUITY | 125 | $16K |
| Prescription drug | HIGHMARK | 107 | $1.1M |
| Other(3 contracts, 2 carriers) | LINCOLN LIFE & ANNUITY COMPANY | 126 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 126 | — |
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.