| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USRP INSURANCE AGENCY LLC3 Filed as: USRP INSURANCE AGENCY | 99 WOOD AVE SOUTH SUITE 501 ISELIN, NJ 08830 | MVP HEALTHCARE | $31K | — | $31K | 4.62% |
| 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 | 8.73% |
| TITAN INSURANCE & EMPLOYEE BENEFITS3 | 1 SOUTH CLINTON, STE 1030 ROCHESTER, NY 14604 | LINCOLN LIFE & ANNUITY CO. | $3K | — | $3K | 13.47% |
| USB HEALTH LLC3 Filed as: USB HEALTH, LLC | 4550 STATE HWY 360, STE 190 GRAPEVINE, TX 76051 | LINCOLN LIFE & ANNUITY CO. | — | $124 | $124 | 0.51% |
| TITAN INSURANCE & EMPLOYEE BENEFITS3 | ONE S. CLINTON AVENUE 1030 THE METROPOLITAN ROCHESTER, NY 14604 | THE GUARDIAN LIFE INSURANCE COMPANY | $894 | $625 | $2K | 17.00% |
| ALLIANCE ADVISORY GRP INC3 Filed as: ALLIANCE ADVISORY GROUP | 350 ESSJAY DR #301 WILLIAMSVILLE, NY 14221 | THE GUARDIAN LIFE INSURANCE COMPANY | $18 | — | $18 | 0.20% |
| TITAN INSURANCE & EMPLOYEE BENEFITS3 | 1 SOUTH CLINTON AVENUE, #1030 ROCHESTER, NY 14604 | LINCOLN LIFE & ANNUITY CO | $681 | — | $681 | 13.39% |
| USB HEALTH LLC3 Filed as: USB HEALTH, LLC | 4550 STATE HWY 360, STE 190 GRAPEVINE, TX 76051 | LINCOLN LIFE & ANNUITY CO | — | $283 | $283 | 5.57% |
| TITAN INSURANCE & EMPLOYEE BENEFITS3 | 1 SOUTH CLINTON AVENUE, #1030 ROCHESTER, NY 14604 | LINCOLN LIFE & ANNUITY CO | $3K | — | $3K | — |
| USB HEALTH LLC3 Filed as: USB HEALTH, LLC | 4550 STATE HWY 360, STE 190 GRAPEVINE, TX 76051 | LINCOLN LIFE & ANNUITY CO | — | $276 | $276 | — |
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 | 119 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | EXCELLUS BLUECROSS BLUESHIELD | 77 | $59K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY | 47 | $9K |
| Life insurance(2 contracts, 2 carriers) | MVP HEALTHCARE | 119 | $682K |
| Long-term disability | LINCOLN LIFE & ANNUITY CO. | 106 | $24K |
| Other(3 contracts, 2 carriers) | MVP HEALTHCARE | 119 | $682K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 119 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
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.