| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CONSILIARIUM GROUP LLC3 Filed as: CONSILIARIUM GROUP, LLC | 1250 PITTSFORD VICTOR RD, BLDG 100 SUITE 110 PITTSFORD, NY 14534 | ANTHEM BLUE CROSS | $139K | — | $139K | 2.17% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN INC. | 159 WOLF RD, SUITE 200 ALBANY, NY 12205 | ANTHEM BLUE CROSS | $138 | — | $138 | 0.00% |
| CONSILIARIUM GROUP LLC3 | 1250 PITTSFORD VICTOR ROAD STE 270 PITTSFORD, NY 14534 | DELTA DENTAL OF NEW YORK | $24K | — | $24K | 9.18% |
| CONSILIARIUM GROUP LLC3 Filed as: CONSILIARIUM GROUP, LLC | 1250 PITTSFORD VICTOR ROAD, STE 270 PITTSFORD, NY 14534 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $39K | — | $39K | 22.15% |
| ENHANCED CARE INC.3 | 1290 UNIVERSITY AVE, SUITE G ROCHESTER, NY 14607 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $15K | — | $15K | 8.23% |
| ROSE & KIERNAN INC3 | 99 TROY ROAD EAST GREENBUSH, NY 12061 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $5K | — | $5K | 2.67% |
| EMPLOYEE FAMILY PROTECTION INC3 Filed as: EMPLOYEE FAMILY PROTECTION, INC. | PO BOX 1237 GLASTONBURY, CT 06033 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $2K | — | $2K | 1.00% |
| CONSILIARIUM GROUP LLC3 | 1250 PITTSFORD VICTOR ROAD PITTSFORD, NY 14534 | HARTFORD LIFE AND ACCIDENT | $9K | — | $9K | 7.87% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE NEW YORK, NY 10173 | HARTFORD LIFE AND ACCIDENT | — | $595 | $595 | 0.52% |
| CONSILIARIUM GROUP LLC3 | 1250 PITTSFORD VICTOR ROAD BLDG 100 SUITE 110 PITTSFORD, NY 14534 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $18K | — | $18K | 17.20% |
| CONSILIARIUM GROUP LLC3 | 1250 PITTSFORD VICTOR ROAD BLDG 100 SUITE 110 PITTSFORD, NY 14534 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 6.45% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $67 | $67 | 0.06% |
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 | 669 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 670 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM BLUE CROSS | 708 | $6.4M |
| Dental(2 contracts, 2 carriers) | ANTHEM BLUE CROSS | 846 | $6.6M |
| Vision | ANTHEM BLUE CROSS | 708 | $6.4M |
| Life insurance(3 contracts, 3 carriers) | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | 726 | $397K |
| Short-term disability(2 contracts, 2 carriers) | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | 726 | $283K |
| Long-term disability(3 contracts, 3 carriers) | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | 726 | $397K |
| Other(2 contracts, 2 carriers) | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | 726 | $283K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 846 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.