| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NAGEL CONSULTING LLC3 | 2680 W RIDGE RD SUITE 201C ROCHESTER, NY 14626 | EXCELLUS BLUECROSS BLUESHIELD | $23K | — | $23K | 2.37% |
| CONSILIARIUM GROUP LLC3 | 1250 PITTSFORD VICTOR RD BLDG 100 STE 110 PITTSFORD, NY 14534 | EXCELLUS BLUECROSS BLUESHIELD | $16K | — | $16K | 1.62% |
| NAGEL CONSULTING LLC3 | 2680 W RIDGE RD STE 201C ROCHESTER, NY 14626 | EXCELLUS BLUECROSS BLUESHIELD | $22K | — | $22K | 2.67% |
| CONSILIARIUM GROUP LLC3 | 1250 PITTSFORD VICTOR RD BLDG 100 STE 110 PITTSFORD, NY 14534 | EXCELLUS BLUECROSS BLUESHIELD | $13K | — | $13K | 1.52% |
| NAGEL CONSULTING LLC3 | 2680 W RIDGE RD SUITE 201C ROCHESTER, NY 14626 | FIRST UNUM LIFE INSURANCE COMPANY | $3K | — | $3K | 2.57% |
| DAVID NAGEL3 | 2680 W RIDGE RD SUITE 201C ROCHESTER, NY 14626 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | — | $1K | 0.86% |
| NAGEL CONSULTING LLC3 | 2680 W RIDGE RD SUITE 201C ROCHESTER, NY 14626 | FIRST UNUM LIFE INSURANCE COMPANY | $4K | — | $4K | 4.96% |
| DAVID NAGEL3 | 2680 W RIDGE RD STE 201C ROCHESTER, NY 14626 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | — | $1K | 1.65% |
| NAGEL CONSULTING LLC3 | 2680 W RIDGE RD SUITE 201C ROCHESTER, NY 14626 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 2.59% |
| CONSILIARIUM GROUP LLC3 | 1250 PITTSFORD VICTOR RD BLDG 100 STE 110 PITTSFORD, NY 14534 | METROPOLITAN LIFE INSURANCE COMPANY | $863 | $14 | $877 | 1.26% |
| DAVID NAGEL3 | 2680 W RIDGE RD SUITE 201C ROCHESTER, NY 14626 | METROPOLITAN LIFE INSURANCE COMPANY | $76 | — | $76 | 0.11% |
| NAGEL CONSULTING LLC3 | 2680 W RIDGE RD SUITE 201C ROCHESTER, NY 14626 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 3.98% |
| CONSILIARIUM GROUP LLC3 | 1250 PITTSFORD VICTOR RD BLDG 100 STE 110 PITTSFORD, NY 14534 | METROPOLITAN LIFE INSURANCE COMPANY | $435 | $14 | $449 | 0.82% |
| DAVID NAGEL3 | 2680 W RIDGE RD STE 201C ROCHESTER, NY 14626 | METROPOLITAN LIFE INSURANCE COMPANY | $31 | — | $31 | 0.06% |
| CONSILIARIUM GROUP LLC3 | 1250 PITTSFORD VICTOR RD BLDG 100 STE 110 PITTSFORD, NY 14534 | VISION SERVICE PLAN | $442 | — | $442 | 0.94% |
| NAGEL CONSULTING LLC3 | 2680 W RIDGE RD SUITE 201C ROCHESTER, NY 14626 | FIRST UNUM LIFE INSURANCE COMPANY | $3K | — | $3K | 8.17% |
| CONSILIARIUM GROUP LLC3 | 1250 PITTSFORD VICTOR RD BLDG 100 STE 110 PITTSFORD, NY 14534 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | — | $2K | 5.86% |
| DAVID NAGEL3 | 2680 W RIDGE RD SUITE 201C ROCHESTER, NY 14626 | FIRST UNUM LIFE INSURANCE COMPANY | $344 | — | $344 | 0.97% |
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 | 576 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 79 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 28 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 683 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | EXCELLUS BLUECROSS BLUESHIELD | 93 | $1.8M |
| Dental(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 265 | $124K |
| Vision | VISION SERVICE PLAN | 234 | $47K |
| Life insurance(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 889 | $154K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 889 | $72K |
| Prescription drug(2 contracts) | EXCELLUS BLUECROSS BLUESHIELD | 93 | $1.8M |
| Other(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 889 | $154K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 889 | — |
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."
No prospect flags tripped on this filing.