| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CONSILIARIUM GROUP LLC3 | 1250 PITTSFORD VICTOR RD BLDG 100 STE 110 PITTSFORD, NY 14534 | NY LIFE GROUP INSURANCE COMPANY OF NY | $4K | $274 | $4K | 4.24% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | NY LIFE GROUP INSURANCE COMPANY OF NY | — | $2K | $2K | 1.52% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT RELPH AGENCY | 800 PARKER HILL DR STE 100 ROCHESTER, NY 14625 | NY LIFE GROUP INSURANCE COMPANY OF NY | $1K | — | $1K | 1.00% |
| CONSILIARIUM GROUP LLC3 | 1250 PITTSFORD VICTOR RD BLDG 100 STE 110 PITTSFORD, NY 14534 | GUARDIAN | $7K | — | $7K | 10.06% |
| RELPH ROBERT G AGENCY INC3 | 800 PARKER HILL DR SUITE 100 ROCHESTER, NY 14625 | GUARDIAN | — | $3K | $3K | 3.47% |
| CONSILIARIUM GROUP LLC3 | 1250 PITTSFORD VICTOR RD BLDG 100 STE 110 PITTSFORD, NY 14534 | NY LIFE GROUP INSURANCE COMPANY OF NEW YORK | $4K | $161 | $4K | 6.40% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | NY LIFE GROUP INSURANCE COMPANY OF NEW YORK | — | $1K | $1K | 2.05% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT RELPH AGENCY | 800 PARKER HILL DR STE 100 ROCHESTER, NY 14625 | NY LIFE GROUP INSURANCE COMPANY OF NEW YORK | $1K | — | $1K | 2.02% |
| CONSILIARIUM GROUP LLC3 | 1250 PITTSFORD VICTOR RD BLDG 100 STE 110 PITTSFORD, NY 14534 | NY LIFE GROUP INSURANCE COMPANY OF NEW YORK | $5K | $147 | $5K | 8.57% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT RELPH AGENCY | 800 PARKER HILL DR STE 100 ROCHESTER, NY 14625 | NY LIFE GROUP INSURANCE COMPANY OF NEW YORK | $2K | — | $2K | 2.77% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | NY LIFE GROUP INSURANCE COMPANY OF NEW YORK | — | $841 | $841 | 1.54% |
| CONSILIARIUM GROUP LLC3 | 1250 PITTSFORD VICTOR RD BLDG 100 STE 110 PITTSFORD, NY 14534 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 11.55% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY INC | 800 PARKER HILL DR STE 100 ROCHESTER, NY 14625 | METROPOLITAN LIFE INSURANCE COMPANY | $97 | $6 | $103 | 0.52% |
| CONSILIARIUM GROUP LLC3 | 1250 PITTSFORD VICTOR RD BLDG 100 STE 110 PITTSFORD, NY 14534 | NY LIFE GROUP INSURANCE COMPANY OF NEW YORK | $957 | $17 | $974 | 13.95% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT RELPH AGENCY | 800 PARKER HILL DR SUITE 100 ROCHESTER, NY 14625 | NY LIFE GROUP INSURANCE COMPANY OF NEW YORK | $417 | — | $417 | 5.97% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | NY LIFE GROUP INSURANCE COMPANY OF NEW YORK | — | $111 | $111 | 1.59% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EXCELLUS BLUECROSS BLUESHIELD EIN 15-0329043 TPA | Claims processing Service code 12 | — | $372K |
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 | 512 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 512 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | METROPOLITAN LIFE INSURANCE COMPANY | 264 | $20K |
| Dental | GUARDIAN | 424 | $74K |
| Vision | GUARDIAN | 424 | $74K |
| Life insurance | NY LIFE GROUP INSURANCE COMPANY OF NY | 512 | $100K |
| Short-term disability | NY LIFE GROUP INSURANCE COMPANY OF NEW YORK | 443 | $58K |
| Long-term disability | NY LIFE GROUP INSURANCE COMPANY OF NEW YORK | 514 | $55K |
| Other(2 contracts, 2 carriers) | EMPLOYEE NETWORK INC | 512 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 514 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.