| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NY | 45 EAST AVE #700 ROCHESTER, NY 14604 | EXCELLUS BLUECROSS BLUESHIELD | $11K | — | $11K | 4.50% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS NORTHEAST | 445 HAMILTON AVE FL 10 WHITE PLAINS, NY 10601 | COMPANION LIFE INSURANCE COMPANY | $2K | $1K | $3K | 12.29% |
| CONSILIARIUM GROUP LLC3 Filed as: CONSILIARIUM GROUP | 1250 PITTSFORD VICTOR RD BLDG 100 STE 110 PITTSFORD, NY 14534 | COMPANION LIFE INSURANCE COMPANY | $783 | — | $783 | 3.35% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS NORTHEAST | 71 MONROE AVE STE A PITTSFORD, NY 14534 | GUARDIAN LIFE INSURANCE COMPAN OF AMERICA | $1K | $420 | $2K | 8.05% |
| CONSILIARIUM GROUP LLC3 Filed as: CONSILIARIUM GROUP | 1250 PITTSFORD VICTOR RD BLDG 100 STE 110 PITTSFORD, NY 14534 | GUARDIAN LIFE INSURANCE COMPAN OF AMERICA | $497 | — | $497 | 2.54% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS NORTHEAST | 445 HAMILTON AVE FL 10 WHITE PLAINS, NY 10601 | MUTUAL OF OMAHA INSURANCE COMPANY | $830 | $822 | $2K | 13.22% |
| CONSILIARIUM GROUP LLC3 Filed as: CONSILIARIUM GROUP | 1250 PITTSFORD VICTOR RD BLDG 100 STE 110 PITTSFORD, NY 14534 | MUTUAL OF OMAHA INSURANCE COMPANY | $419 | — | $419 | 3.35% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NY | 45 EAST AVE ROCHESTER, NY 14604 | VISION SERVICE PLAN | $89 | — | $89 | 3.69% |
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 | 147 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUECROSS BLUESHIELD | 21 | $254K |
| Dental | GUARDIAN LIFE INSURANCE COMPAN OF AMERICA | 35 | $20K |
| Vision | VISION SERVICE PLAN | 27 | $2K |
| Life insurance | COMPANION LIFE INSURANCE COMPANY | 147 | $23K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 142 | $12K |
| Prescription drug | EXCELLUS BLUECROSS BLUESHIELD | 21 | $254K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 147 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.