| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SVCS | 45 EAST AVE #700 ROCHESTER, NY 14604 | EXCELLUS BLUE CROSS BLUE SHIELD | $27K | — | $27K | 3.95% |
| CONSILIARIUM GROUP LLC3 | 1250 PITTSFORD VICTOR RD., STE 110 S PITTSFORD, NY 14534 | MUTUAL OF OMAHA INSURANCE CO | $4K | — | $4K | 10.00% |
| CONSILIARIUM GROUP LLC3 | 1250 PITTSFORD VICTOR RD STE 110 PITTSFORD, NY 14534 | COMPANION LIFE INSURANCE COMPANY | $967 | — | $967 | 10.00% |
| CONSILIARIUM GROUP LLC3 | 1250 PITTSFORD VICTOR RD STE 110 PITTSFORD, NY 14534 | COMPANION LIFE INSURANCE COMPANY | $941 | — | $941 | 10.00% |
| CONSILIARIUM GROUP LLC3 | 1250 PITTSFORD VICTOR RD STE 110 PITTSFORD, NY 14534 | MUTUAL OF OMAHA INSURANCE CO | $922 | — | $922 | 9.99% |
| CONSILIARIUM GROUP LLC3 | 1250 PITTSFORD VICTOR RD STE 110 PITTSFORD, NY 14534 | MUTUAL OF OMAHA INSURANCE CO | $651 | — | $651 | 10.01% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SVCS | 45 EAST AVE ROCHESTER, NY 14604 | VISION SERVICE PLAN | $550 | — | $550 | 10.01% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE | 1719 ROUTE 10 SUITE 106 PARSIPPANY, NJ 07054 | GUARDIAN | $506 | $87 | $593 | 11.71% |
| STRATEGIC NON-MEDICAL SOLUTION3 | 75 STATE ST. SUITE 1710 BOSTON, MA 02109 | GUARDIAN | $253 | — | $253 | 5.00% |
| ALLIANCE FINANCIAL NETWORK3 | — | GUARDIAN | $5 | — | $5 | 0.10% |
| CONSILIARIUM GROUP LLC3 | 1250 PITTSFORD VICTOR RD STE 110 PITTSFORD, NY 14534 | MUTUAL OF OMAHA INSURANCE CO | $118 | — | $118 | 10.01% |
| CONSILIARIUM GROUP LLC3 | 1250 PITTSFORD VICTOR RD STE 110 PITTSFORD, NY 14534 | MUTUAL OF OMAHA INSURANCE CO | $80 | — | $80 | 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 | 100 | 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) | 100 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUE CROSS BLUE SHIELD | 65 | $695K |
| Dental | MUTUAL OF OMAHA INSURANCE CO | 80 | $44K |
| Vision | VISION SERVICE PLAN | 59 | $5K |
| Life insurance | MUTUAL OF OMAHA INSURANCE CO | 100 | $1K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE CO | 35 | $7K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE CO | 19 | $9K |
| Prescription drug | EXCELLUS BLUE CROSS BLUE SHIELD | 65 | $695K |
| Other(5 contracts, 3 carriers) | COMPANION LIFE INSURANCE COMPANY | 100 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 100 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.