| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK, INC. | 45 EAST AVENUE # 700 ROCHESTER, NY 14604 | EXCELLUS BLUE CROSS BLUE SHIELD | $31K | — | $31K | 4.81% |
| CONSILIARIUM GROUP LLC3 | 1250 PITTSFORD VICTOR RD BLGD 100 STE 110 PITTSFORD, NY 14534 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 4.96% |
| CONSILIARIUM GROUP LLC3 | 1250 PITTSFORD VICTOR RD STE 110 PITTSFORD, NY 14534 | COMPANION LIFE INSURANCE COMPANY | $926 | — | $926 | 10.00% |
| CONSILIARIUM GROUP LLC3 | 1250 PITTSFORD VICTOR RD STE 110 PITTSFORD, NY 14534 | COMPANION LIFE INSURANCE COMPANY | $895 | — | $895 | 10.00% |
| CONSILIARIUM GROUP LLC3 | 1250 PITTSFORD VICTOR RD STE 110 PITTSFORD, NY 14534 | MUTUAL OF OMAHA INSURANCE COMPANY | $858 | — | $858 | 10.00% |
| CONSILIARIUM GROUP LLC3 | 1250 PITTSFORD VICTOR RD STE 110 PITTSFORD, NY 14534 | MUTUAL OF OMAHA INSURANCE COMPANY | $660 | — | $660 | 9.99% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN, INC. | 45 EAST AVE ROCHESTER, NY 14604 | VISION SERVICE PLAN | $454 | — | $454 | 8.08% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE | 1719 ROUTE 10 SUITE 106 PARSIPPANY, NY 07054 | GUARDIAN | $298 | $117 | $415 | 13.95% |
| ALLIANCE ADVISORY GRP INC3 | — | GUARDIAN | $3 | — | $3 | 0.10% |
| CONSILIARIUM GROUP LLC3 | 1250 PITTSFORD VICTOR RD STE 110 PITTSFORD, NY 14534 | MUTUAL OF OMAHA INSURANCE COMPANY | $116 | — | $116 | 10.01% |
| CONSILIARIUM GROUP LLC3 | 1250 PITTSFORD VICTOR RD STE 110 PITTSFORD, NY 14534 | MUTUAL OF OMAHA INSURANCE COMPANY | $71 | — | $71 | 10.06% |
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 | 102 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 102 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUE CROSS BLUE SHIELD | 71 | $654K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 150 | $50K |
| Vision | VISION SERVICE PLAN | 62 | $6K |
| Life insurance | MUTUAL OF OMAHA INSURANCE COMPANY | 102 | $1K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 40 | $7K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 19 | $9K |
| Prescription drug | EXCELLUS BLUE CROSS BLUE SHIELD | 71 | $654K |
| Other(5 contracts, 3 carriers) | COMPANION LIFE INSURANCE COMPANY | 102 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 150 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.