| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TITAN INSURANCE3 | 610 CLINTON SQUARE ROCHESTER, NY 14604 | EXCELLUS BLUECROSS BLUESHIELD | $31K | — | $31K | 4.78% |
| US EMPLOYEE BENEFITS SERVICES GROUP3 Filed as: US EMPLOYEE BENEFIT SERVICE | 610 CLINTON SQUARE ROCHESTER, NY 14604 | EXCELLUS BLUECROSS BLUESHIELD | $5K | — | $5K | 7.10% |
| TITAN INSURANCE & EMPLOYEE BENEFITS3 | 610 CLINTON SQUARE ROCHESTER, NY 14604 | LINCOLN LIFE & ANNUITY CO | $3K | — | $3K | 5.93% |
| USB HEALTH LLC3 Filed as: USB HEALTH, LLC | 4550 STATE HWY 360, STE 190 GRAPEVINE, TX 76051 | LINCOLN LIFE & ANNUITY CO | — | $2K | $2K | 3.42% |
| TITAN INSURANCE & EMPLOYEE BENEFITS3 | 1 SOUTH CLINTON, STE 1030 ROCHESTER, NY 14604 | LINCOLN LIFE & ANNUITY CO. | $2K | — | $2K | 15.00% |
| USB HEALTH LLC3 Filed as: USB HEALTH, LLC | 4550 STATE HWY 360, STE 190 GRAPEVINE, TX 76051 | LINCOLN LIFE & ANNUITY CO. | — | $618 | $618 | 5.19% |
| TITAN INSURANCE & EMPLOYEE BENEFITS3 | ONE S. CLINTON AVENUE 1030 THE METROPOLITAN ROCHESTER, NY 14604 | THE GUARDIAN LIFE INSURANCE COMPANY | $755 | $375 | $1K | 14.97% |
| ALLIANCE ADVISORY GRP INC3 Filed as: ALLIANCE ADVISORY GROUP | 600 DELAWARE AVENUE BUFFALO, NY 14202 | THE GUARDIAN LIFE INSURANCE COMPANY | $15 | — | $15 | 0.20% |
| TITAN INSURANCE & EMPLOYEE BENEFITS3 | 610 CLINTON SQUARE ROCHESTER, NY 14604 | LINCOLN LIFE & ANNUITY CO | $792 | — | $792 | 12.77% |
| USB HEALTH LLC3 Filed as: USB HEALTH, LLC | 4550 STATE HWY 360, STE 190 GRAPEVINE, TX 76051 | LINCOLN LIFE & ANNUITY CO | — | $306 | $306 | 4.93% |
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 | 130 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUECROSS BLUESHIELD | 80 | $645K |
| Dental | EXCELLUS BLUECROSS BLUESHIELD | 96 | $73K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY | 51 | $8K |
| Life insurance | LINCOLN LIFE & ANNUITY CO. | 45 | $12K |
| Long-term disability | LINCOLN LIFE & ANNUITY CO | 130 | $6K |
| Prescription drug | EXCELLUS BLUECROSS BLUESHIELD | 80 | $645K |
| Other(3 contracts) | LINCOLN LIFE & ANNUITY CO | 130 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 130 | — |
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.