| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CONSILIARIUM GROUP LLC3 | 1250 PITTSFORD VICTOR RD., #110 PITTSFORD, NY 14534 | SYMETRA LIFE INSURANCE COMPANY | $35K | $7K | $42K | 10.61% |
| CONSILIARIUM GROUP LLC3 | 1250 PITTSFORD VICTOR RD., #110 PITTSFORD, NY 14534 | UNITED HEALTHCARE INSURANCE COMPANY OF NEW YORK | $8K | — | $8K | 12.42% |
| CONSILIARIUM GROUP LLC3 | 1250 PITTSFORD VICTOR RD., #110 PITTSFORD, NY 14534 | GUARDIAN | $4K | — | $4K | 15.00% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | — | — | $0 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPIRE HEALTHCHOICE ASSURANCE EIN 23-7391136 THIRD PARTY ADMIN | Float revenue; Contract Administrator; Claims processing; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $327K |
| MATRIX QUALITY CARE, INC. DBA ARAYA EIN 13-3848923 RX THIRD PARTY ADMIN | Other services; Contract Administrator; Claims processing Service code 12 | — | $47K |
| SKYLIGHTRX, LLC EIN 86-3750854 RX CONSULTANT | Claims processing; Insurance brokerage commissions and fees; Contract Administrator; Other commissions; Insurance agents and brokers Service code 12 | — | $14K |
| CONSILIARIUM GROUP LLC BROKER | Insurance brokerage commissions and fees; Other commissions; Insurance agents and brokers Service code 22 | 1250 PITTSFORD VICTOR RD. PITTSFORD, NY 14534 | $0 |
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 | 519 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 524 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY OF NEW YORK | 60 | $62K |
| Dental | GUARDIAN | 841 | $27K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 519 | $396K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 519 | $396K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 519 | $396K |
| Stop-loss / reinsurancereinsurance | US FIRE INSURANCE COMPANY | 600 | $446K |
| Other(3 contracts, 3 carriers) | SYMETRA LIFE INSURANCE COMPANY | 579 | $415K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 841 | — |
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.