| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CONSILIARIUM GROUP LLC3 Filed as: CONSILIARIUM GROUP, LLC | 1250 PITTSFORD VICTOR RD BUILDING 100, SUITE 110 PITTSFORD, NY 14534 | BLUE CROSS BLUE SHIELD OF WESTERN NEW YORK | $78K | — | $78K | 2.74% |
| LIAZON BENEFITS INC3 Filed as: LIAZON BENEFITS, INC | 199 SCOTT ST 8TH FLOOR BUFFALO, NY 14204 | BLUE CROSS BLUE SHIELD OF WESTERN NEW YORK | $7K | — | $7K | 0.23% |
| CONSILIARIUM GROUP LLC3 Filed as: CONSILIARIUM GROUP, LLC | 1250 PITTSFORD VICTOR RD BUILDING 200, SUITE 270 PITTSFORD, NY 14534 | HARTFORD LIFE AND ACCIDENT | $9K | — | $9K | 3.49% |
| LIAZON BENEFITS INC3 Filed as: LIAZON BENEFITS, INC | 199 SCOTT ST BUFFALO, NY 14204 | HARTFORD LIFE AND ACCIDENT | — | $1K | $1K | 0.41% |
| CONSILIARIUM GROUP LLC3 Filed as: CONSILIARIUM GROUP, LLC | 1250 PITTSFORD VICTOR RD BUILDING 100 SUITE 110 PITTSFORD, NY 14534 | DELTA DENTAL OF NEW YORK | $14K | — | $14K | 10.00% |
| CONSILIARIUM GROUP LLC3 Filed as: CONSILIARIUM GROUP, LLC | 1250 PITTSFORD VICTOR ROAD BUILDING 100 SUITE 110 PITTSFORD, NY 14534 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 8.13% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INC SERVICES LLC | 726 EXCHANGE ST SUITE 600 BUFFALO, NY 14210 | THE HARTFORD LIFE INSURANCE COMPANY | $267 | — | $267 | 14.99% |
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 | 307 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 103 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 410 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF WESTERN NEW YORK | 433 | $2.8M |
| Dental | DELTA DENTAL OF NEW YORK | 419 | $143K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 177 | $24K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 411 | $249K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 411 | $249K |
| Other | THE HARTFORD LIFE INSURANCE COMPANY | 307 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 433 | — |
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.