| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TITAN INSURANCE3 | 610 CLINTON SQUARE ROCHESTER, NY 14604 | EXCELLUS BLUECROSS BLUESHIELD | $25K | — | $25K | 4.41% |
| US EMPLOYEE BENEFITS SERVICES GROUP3 Filed as: US EMPLOYEE BENEFIT SERVICE | 610 CLINTON SQUARE ROCHESTER, NY 14604 | EXCELLUS BLUECROSS BLUESHIELD | $7K | — | $7K | 9.15% |
| TITAN INSURANCE & EMPLOYEE BENEFITS3 | 610 CLINTON SQUARE ROCHESTER, NY 14604 | LINCOLN LIFE & ANNUITY CO | $3K | $981 | $4K | 11.34% |
| TITAN INSURANCE & EMPLOYEE BENEFITS3 | 610 CLINTON SQUARE ROCHESTER, NY 14604 | LINCOLN LIFE & ANNUITY CO | $3K | $678 | $4K | 16.38% |
| TITAN INSURANCE & EMPLOYEE BENEFITS3 | ONE S. CLINTON AVENUE 1030 THE METROPOLITAN ROCHESTER, NY 14604 | THE GUARDIAN LIFE INSURANCE COMPANY | $626 | — | $626 | 10.01% |
| ALLIANCE ADVISORY GRP INC3 Filed as: ALLIANCE ADVISORY GROUP | 600 DELAWARE AVENUE BUFFALO, NY 14202 | THE GUARDIAN LIFE INSURANCE COMPANY | $12 | — | $12 | 0.19% |
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 | 121 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUECROSS BLUESHIELD | 83 | $561K |
| Dental | EXCELLUS BLUECROSS BLUESHIELD | 97 | $74K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY | 49 | $6K |
| Long-term disability | LINCOLN LIFE & ANNUITY CO | 121 | $24K |
| Prescription drug | EXCELLUS BLUECROSS BLUESHIELD | 83 | $561K |
| Other | LINCOLN LIFE & ANNUITY CO | 121 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 121 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.