| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CONSILIARIUM GROUP LLC3 | 1250 PITTSFORD VICTOR RD BLDG 100 STE 110 PITTSFORD, NY 14604 | EXCELLUS BLUE CROSS BLUE SHIELD | $27K | — | $27K | 3.06% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SVCS | 45 EAST AVE #700 ROCHESTER, NY 14604 | EXCELLUS BLUE CROSS BLUE SHIELD | $8K | — | $8K | 0.91% |
| CONSILIARIUM GROUP LLC3 Filed as: CONSILIARIUM GROUP | 1250 PITTSFORD VICTOR RD BLDG 100, STE 110 PITTSFORD, NY 14534 | EXCELLUS BLUECROSS BLUESHIELD | $4K | — | $4K | 7.85% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SVCS | 45 EAST AVE #700 ROCHESTER, NY 14604 | EXCELLUS BLUECROSS BLUESHIELD | $733 | — | $733 | 1.46% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS NORTHEAST LLC | BOND BENEFITS 71A MONROE AVE PITTSFORD, NY 14534 | EXCELLUS BLUECROSS BLUESHIELD | $8 | — | $8 | 0.02% |
| CONSILIARIUM GROUP LLC3 | 1250 PITTSFORD VICTOR ROAD BUILDING 100, STE 110 PITTSFORD, NY 14534 | FIRST RELIANCE LIFE INSURANCE COMPANY | $1K | — | $1K | 7.46% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICE INC | 45 EAST AVENUE ROCHESTER, NY 14604 | FIRST RELIANCE LIFE INSURANCE COMPANY | $444 | — | $444 | 2.26% |
| CONSILIARIUM GROUP LLC3 | 1250 PITTSFORD VICTOR ROAD BUILDING 100, STE 110 PITTSFORD, NY 14534 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 11.76% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICE INC | 45 EAST AVENUE ROCHESTER, NY 14604 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $381 | — | $381 | 3.24% |
| CONSILIARIUM GROUP LLC3 | 1250 PITTSFORD VICTOR RD BLDG 100 STE 110 PITTSFORD, NY 14534 | GUARDIAN | $529 | — | $529 | 6.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 1719 ROUTE 10 SUITE 106 PARSIPPANY, NJ 07054 | GUARDIAN | $352 | $12 | $364 | 4.13% |
| ALLIANCE ADVISORY GRP INC3 Filed as: ALLIANCE ADVISORY GROUP | — | GUARDIAN | $2 | — | $2 | 0.02% |
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 | 155 | 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) | 155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUE CROSS BLUE SHIELD | 65 | $880K |
| Dental | EXCELLUS BLUECROSS BLUESHIELD | 82 | $50K |
| Vision | GUARDIAN | 68 | $9K |
| Life insurance | FIRST RELIANCE LIFE INSURANCE COMPANY | 155 | $20K |
| Long-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 155 | $12K |
| Prescription drug | EXCELLUS BLUE CROSS BLUE SHIELD | 65 | $880K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 155 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.