| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | WEST - SAN FRANCISCO PO BOX 66119 VIRGINIA BEACH, VA 23466 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 2.29% |
| CONSILARIUM GROUP LLC3 | 1250 PITTSFORD VICTOR ROAD BLDG 100 SUITE 110 PITTSFORD, NY 14534 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 2.19% |
| USI INSURANCE SERVICES LLC3 | NEW ENGLAND - ROCHESTER PO BOX 62937 VIRGINIA BEACH, VA 23466 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 1.46% |
| USI INSURANCE SERVICES LLC3 | WEST - SAN FRANCISCO PO BOX 66119 VIRGINIA BEACH, VA 23466 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 2.29% |
| CONSILARIUM GROUP LLC3 | 1250 PITTSFORD VICTOR ROAD BLDG 100 SUITE 110 PITTSFORD, NY 14534 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 2.19% |
| USI INSURANCE SERVICES LLC3 | NEW ENGLAND - ROCHESTER PO BOX 62937 VIRGINIA BEACH, VA 23466 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $884 | $0 | $884 | 1.46% |
| USI INSURANCE SERVICES LLC3 | WEST - SAN FRANCISCO PO BOX 66119 VIRGINIA BEACH, VA 23466 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 2.29% |
| CONSILIARIUM GROUP LLC3 | 1250 PITTSFORD VICTOR ROAD BLDG 100 SUITE 110 PITTSFORD, NY 14534 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 2.19% |
| USI INSURANCE SERVICES LLC3 | NEW ENGLAND - ROCHESTER PO BOX 62937 VIRGINIA BEACH, VA 23466 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $729 | $0 | $729 | 1.46% |
| USI INSURANCE SERVICES LLC3 | WEST - SAN FRANCISCO PO BOX 66119 VIRGINIA BEACH, VA 23466 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $826 | $0 | $826 | 2.29% |
| CONSILARIUM GROUP LLC3 | 1250 PITTSFORD VICTOR ROAD BLDG 100 SUITE 110 PITTSFORD, NY 14534 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $791 | $0 | $791 | 2.19% |
| USI INSURANCE SERVICES LLC3 | NEW ENGLAND - ROCHESTER PO BOX 62937 VIRGINIA BEACH, VA 23466 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $526 | $0 | $526 | 1.46% |
| CONSILARIUM GROUP LLC3 | 1250 PITTSFORD VICTOR ROAD BLDG 100 SUITE 110 PITTSFORD, NY 14534 | FIRST UNUM LIFE INSURANCE COMPANY | $3K | $0 | $3K | 12.15% |
| CONSILARIUM GROUP LLC3 | 1250 PITTSFORD VICTOR ROAD BLDG 100 SUITE 110 PITTSFORD, NY 14534 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | $0 | $2K | 12.15% |
| CONSILARIUM GROUP LLC3 | 1250 PITTSFORD VICTOR ROAD BLDG 100 SUITE 110 PITTSFORD, NY 14534 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $783 | $0 | $783 | 6.66% |
| USI INSURANCE SERVICES LLC3 | WEST - SAN FRANCISCO PO BOX 66119 VIRGINIA BEACH, VA 23466 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $228 | $0 | $228 | 2.29% |
| CONSILARIUM GROUP LLC3 | 1250 PITTSFORD VICTOR ROAD BLDG 100 SUITE 110 PITTSFORD, NY 14534 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $218 | $0 | $218 | 2.19% |
| USI INSURANCE SERVICES LLC3 | NEW ENGLAND - ROCHESTER PO BOX 62937 VIRGINIA BEACH, VA 23466 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $145 | $0 | $145 | 1.46% |
| CONSILARIUM GROUP LLC3 | 1250 PITTSFORD VICTOR ROAD BLDG 100 SUITE 110 PITTSFORD, NY 14534 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $635 | $0 | $635 | 6.68% |
| USI INSURANCE SERVICES LLC3 | WEST - SAN FRANCISCO PO BOX 66119 VIRGINIA BEACH, VA 23466 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $156 | $0 | $156 | 2.28% |
| CONSILARIUM GROUP LLC3 | 1250 PITTSFORD VICTOR ROAD BLDG 100 SUITE 110 PITTSFORD, NY 14534 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $150 | $0 | $150 | 2.19% |
| USI INSURANCE SERVICES LLC3 | NEW ENGLAND - ROCHESTER PO BOX 62937 VIRGINIA BEACH, VA 23466 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $100 | $0 | $100 | 1.46% |
| CONSILARIUM GROUP LLC3 | 1250 PITTSFORD VICTOR ROAD BLDG 100 SUITE 110 PITTSFORD, NY 14534 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $221 | $0 | $221 | 6.68% |
| CONSILARIUM GROUP LLC3 | 1250 PITTSFORD VICTOR ROAD BLDG 100 SUITE 110 PITTSFORD, NY 14534 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $135 | $0 | $135 | 6.68% |
| USI INSURANCE SERVICES LLC3 | WEST - SAN FRANCISCO PO BOX 66119 VIRGINIA BEACH, VA 23466 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $17 | $0 | $17 | 2.34% |
| CONSILARIUM GROUP LLC3 | 1250 PITTSFORD VICTOR ROAD BLDG 100 SUITE 110 PITTSFORD, NY 14534 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $16 | $0 | $16 | 2.21% |
| USI INSURANCE SERVICES LLC3 | NEW ENGLAND - ROCHESTER PO BOX 62937 VIRGINIA BEACH, VA 23466 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $10 | $0 | $10 | 1.38% |
| CONSILARIUM GROUP LLC3 | 1250 PITTSFORD VICTOR ROAD BLDG 100 SUITE 110 PITTSFORD, NY 14534 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $16 | $0 | $16 | 6.78% |
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 | 206 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 214 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(8 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 205 | $122K |
| Short-term disability(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 158 | $76K |
| Long-term disability(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 197 | $122K |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 197 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 205 | — |
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.