| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TITAN INSURANCE3 | 1 SOUTH CLINTON AVENUE, #1030 ROCHESTER, NY 14604 | EXCELLUS BLUECROSS BLUESHIELD | $26K | — | $26K | 3.98% |
| US EMPLOYEE BENEFITS SERVICES GROUP3 Filed as: US EMPLOYEE BENEFIT SERVICE | 1 SOUTH CLINTON AVENUE SUITE 1030 ROCHESTER, NY 14604 | EXCELLUS BLUECROSS BLUESHIELD | $6K | — | $6K | 9.53% |
| TITAN INSURANCE & EMPLOYEE BENEFITS3 | 1 SOUTH CLINTON AVENUE, #1030 ROCHESTER, NY 14604 | LINCOLN LIFE & ANNUITY CO | $3K | — | $3K | 5.47% |
| USB HEALTH LLC3 Filed as: USB HEALTH, LLC | 4550 STATE HWY 360, STE 190 GRAPEVINE, TX 76051 | LINCOLN LIFE & ANNUITY CO | — | $2K | $2K | 3.15% |
| TITAN INSURANCE & EMPLOYEE BENEFITS3 | 1 SOUTH CLINTON, STE 1030 ROCHESTER, NY 14604 | LINCOLN LIFE & ANNUITY CO. | $3K | — | $3K | 13.03% |
| USB HEALTH LLC3 Filed as: USB HEALTH, LLC | 4550 STATE HWY 360, STE 190 GRAPEVINE, TX 76051 | LINCOLN LIFE & ANNUITY CO. | — | $847 | $847 | 3.43% |
| TITAN INSURANCE & EMPLOYEE BENEFITS3 | 1 SOUTH CLINTON, SUITE 1030 ROCHESTER, NY 14604 | LINCOLN LIFE & ANNUITY | $1K | — | $1K | 15.00% |
| USB HEALTH LLC3 Filed as: USB HEALTH, LLC | 4550 STATE HWY 360, STE 190 GRAPEVINE, TX 76051 | LINCOLN LIFE & ANNUITY | — | $785 | $785 | 8.41% |
| TITAN INSURANCE & EMPLOYEE BENEFITS3 | ONE S. CLINTON AVENUE 1030 THE METROPOLITAN ROCHESTER, NY 14604 | THE GUARDIAN LIFE INSURANCE COMPANY | $892 | $537 | $1K | 16.01% |
| ALLIANCE ADVISORY GRP INC3 Filed as: ALLIANCE ADVISORY GROUP | 600 DELAWARE AVENUE BUFFALO, NY 14202 | THE GUARDIAN LIFE INSURANCE COMPANY | $18 | — | $18 | 0.20% |
| ALLIANCE ADVISORY GRP INC3 Filed as: ALLIANCE ADVISORY GROUP | 350 ESSJAY DR #301 WILLIAMSVILLE, NY 14221 | THE GUARDIAN LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| TITAN INSURANCE & EMPLOYEE BENEFITS3 | 1 SOUTH CLINTON AVENUE, #1030 ROCHESTER, NY 14604 | LINCOLN LIFE & ANNUITY CO | $744 | — | $744 | 12.82% |
| USB HEALTH LLC3 Filed as: USB HEALTH, LLC | 4550 STATE HWY 360, STE 190 GRAPEVINE, TX 76051 | LINCOLN LIFE & ANNUITY CO | — | $480 | $480 | 8.27% |
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 | 137 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUECROSS BLUESHIELD | 84 | $642K |
| Dental | EXCELLUS BLUECROSS BLUESHIELD | 94 | $65K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY | 56 | $9K |
| Life insurance(2 contracts) | LINCOLN LIFE & ANNUITY | 137 | $15K |
| Long-term disability | LINCOLN LIFE & ANNUITY CO. | 138 | $25K |
| Prescription drug | EXCELLUS BLUECROSS BLUESHIELD | 84 | $642K |
| Other(3 contracts) | LINCOLN LIFE & ANNUITY CO | 137 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 138 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.