| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CONSILIARIUM GROUP LLC3 | 1250 PITTSFORD VICTOR RD BLDG 100 STE 110 PITTSFORD, NY 14534 | EXCELLUS BLUECROSS BLUESHIELD | $30K | — | $30K | 3.17% |
| SPRING COLLABORATIVE GROUP3 | 9900 TRANSIT RD STE 7 E AMHERST, NY 14051 | EXCELLUS BLUECROSS BLUESHIELD | $11K | — | $11K | 1.10% |
| CONSILIARIUM GROUP LLC3 | 1250 PITTSFORD VICTOR RD BLDG 100 STE 110 PITTSFORD, NY 14534 | MUTUAL OF OMAHA INSURANCE COMPANY | $4K | — | $4K | 7.49% |
| SPRING COLLABORATIVE GROUP3 | 9900 TRANSIT RD STE 7 E AMHERST, NY 14051 | MUTUAL OF OMAHA INSURANCE COMPANY | $1K | — | $1K | 1.85% |
| CONSILIARIUM GROUP LLC3 | 1250 PITTSFORD VICTOR RD BLDG 100 STE 110 PITTSFORD, NY 14534 | VISION SERVICE PLAN | $590 | — | $590 | 3.17% |
| SPRING COLLABORATIVE GROUP3 Filed as: SPRING COLLABORATIVE GROUP LLC | 9900 TRANSIT RD STE 7 E AMHERST, NY 14051 | VISION SERVICE PLAN | $467 | — | $467 | 2.51% |
| CONSILIARIUM GROUP LLC3 | 1250 PITTSFORD VICTOR RD BLDG 100 STE 110 PITTSFORD, NY 14534 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 18.17% |
| SPRING COLLABORATIVE GROUP3 | 9900 TRANSIT RD STE 7 E AMHERST, NY 14051 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $778 | — | $778 | 5.92% |
| CONSILIARIUM GROUP LLC3 | 1250 PITTSFORD VICTOR RD BLDG 100 STE 110 PITTSFORD, NY 14534 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | — | $1K | 11.43% |
| SPRING COLLABORATIVE GROUP3 Filed as: SPRING COLLABORATIVE | 9900 TRANSIT RD STE 7 E AMHERST, NY 14051 | FIRST UNUM LIFE INSURANCE COMPANY | $463 | — | $463 | 3.58% |
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 | 0 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUECROSS BLUESHIELD | 101 | $954K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 151 | $13K |
| Vision | VISION SERVICE PLAN | 151 | $19K |
| Life insurance(2 contracts, 2 carriers) | MUTUAL OF OMAHA INSURANCE COMPANY | 225 | $71K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 225 | $58K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 225 | $58K |
| Prescription drug | EXCELLUS BLUECROSS BLUESHIELD | 101 | $954K |
| Other(2 contracts, 2 carriers) | MUTUAL OF OMAHA INSURANCE COMPANY | 225 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 225 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.