| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TITAN INSURANCE3 | 1 SOUTH CLINTON AVENUE, #1030 ROCHESTER, NY 14604 | EXCELLUS BLUECROSS BLUESHIELD | $26K | — | $26K | 4.43% |
| US EMPLOYEE BENEFITS SERVICES GROUP3 Filed as: US EMPLOYEE BENEFIT SERVICE | 1 SOUTH CLINTON AVENUE SUITE 1030 ROCHESTER, NY 14604 | EXCELLUS BLUECROSS BLUESHIELD | $5K | — | $5K | 8.74% |
| TITAN INSURANCE & EMPLOYEE BENEFITS3 | 1 SOUTH CLINTON AVENUE, #1030 ROCHESTER, NY 14604 | LINCOLN LIFE & ANNUITY CO | $3K | — | $3K | 5.94% |
| USB HEALTH LLC3 Filed as: USB HEALTH, LLC | 4550 STATE HWY 360, STE 190 GRAPEVINE, TX 76051 | LINCOLN LIFE & ANNUITY CO | — | $348 | $348 | 0.69% |
| TITAN INSURANCE & EMPLOYEE BENEFITS3 | 1 SOUTH CLINTON, STE 1030 ROCHESTER, NY 14604 | LINCOLN LIFE & ANNUITY CO. | $3K | — | $3K | 13.09% |
| USB HEALTH LLC3 Filed as: USB HEALTH, LLC | 4550 STATE HWY 360, STE 190 GRAPEVINE, TX 76051 | LINCOLN LIFE & ANNUITY CO. | — | $170 | $170 | 0.70% |
| TITAN INSURANCE & EMPLOYEE BENEFITS3 | ONE S. CLINTON AVENUE 1030 THE METROPOLITAN ROCHESTER, NY 14604 | THE GUARDIAN LIFE INSURANCE COMPANY | $766 | $505 | $1K | 16.58% |
| ALLIANCE ADVISORY GRP INC3 Filed as: ALLIANCE ADVISORY GROUP | 350 ESSJAY DR #301 WILLIAMSVILLE, NY 14221 | THE GUARDIAN LIFE INSURANCE COMPANY | $15 | — | $15 | 0.20% |
| ALLIANCE ADVISORY GRP INC3 Filed as: ALLIANCE ADVISORY GROUP | 600 DELAWARE AVENUE BUFFALO, NY 14202 | THE GUARDIAN LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| TITAN INSURANCE & EMPLOYEE BENEFITS3 | 1 SOUTH CLINTON AVENUE, #1030 ROCHESTER, NY 14604 | LINCOLN LIFE & ANNUITY CO | $903 | — | $903 | 12.54% |
| USB HEALTH LLC3 Filed as: USB HEALTH, LLC | 4550 STATE HWY 360, STE 190 GRAPEVINE, TX 76051 | LINCOLN LIFE & ANNUITY CO | — | $81 | $81 | 1.12% |
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 | 133 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUECROSS BLUESHIELD | 80 | $594K |
| Dental | EXCELLUS BLUECROSS BLUESHIELD | 87 | $62K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY | 53 | $8K |
| Life insurance | LINCOLN LIFE & ANNUITY CO | 132 | $7K |
| Long-term disability | LINCOLN LIFE & ANNUITY CO. | 133 | $24K |
| Prescription drug | EXCELLUS BLUECROSS BLUESHIELD | 80 | $594K |
| Other(2 contracts) | LINCOLN LIFE & ANNUITY CO | 132 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 133 | — |
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.