| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CONSILIARIUM GROUP LLC3 | 1250 PITTSFORD VICTOR ROAD BLDG 100 SUITE 110 PITTSFORD, NY 14534 | FIRST UNUM LIFE INSURANCE COMPANY | $8K | — | $8K | 8.50% |
| CONSILIARIUM GROUP LLC3 | 1250 PITTSFORD VICTOR ROAD BLDG 100 SUITE 110 PITTSFORD, NY 14534 | FIRST UNUM LIFE INSURANCE COMPANY | $4K | — | $4K | 8.50% |
| CONSILIARIUM GROUP LLC3 | 1250 PITTSFORD VICTOR ROAD BLDG 100 SUITE 110 PITTSFORD, NY 14534 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $5K | — | $5K | 9.96% |
| CONSILIARIUM GROUP LLC3 | 1250 PITTSFORD VICTOR ROAD BLDG 100 SUITE 110 PITTSFORD, NY 14534 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $4K | — | $4K | 10.00% |
| CONSILIARIUM GROUP LLC3 | 1250 PITTSFORD VICTOR ROAD BLDG 100 SUITE 110 PITTSFORD, NY 14534 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $998 | — | $998 | 5.04% |
| CONSILIARIUM GROUP LLC3 | 1250 PITTSFORD VICTOR ROAD BLDG 100 SUITE 110 PITTSFORD, NY 14534 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $1K | — | $1K | 9.96% |
| CONSILIARIUM GROUP LLC3 | 1250 PITTSFORD VICTOR ROAD BLDG 100 SUITE 110 PITTSFORD, NY 14534 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $550 | — | $550 | 5.02% |
| CONSILIARIUM GROUP LLC3 | 1250 PITTSFORD VICTOR ROAD BLDG 100 SUITE 110 PITTSFORD, NY 14534 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $823 | — | $823 | 10.01% |
| CONSILIARIUM GROUP LLC3 | 1250 PITTSFORD VICTOR ROAD BLDG 100 SUITE 110 PITTSFORD, NY 14534 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $112 | — | $112 | 9.96% |
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 | 9 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 215 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(4 contracts) | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 203 | $105K |
| Short-term disability(2 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 161 | $63K |
| Long-term disability(2 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 203 | $117K |
| Other | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 194 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 203 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.