| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CONSILIARIUM GROUP LLC3 | 1250 PITTSFORD VICTOR RD BLDG 200 STE 270 PITTSFORD, NY 14534 | EXCELLUS BLUE CROSS BLUE SHIELD | $77K | — | $77K | 3.31% |
| CONSILIARIUM GROUP LLC3 | 1250 PITTSFORD VICTOR RD BLDG 200 STE 270 PITTSFORD, NY 14534 | EXCELLUS BLUECROSS BLUESHIELD | $8K | — | $8K | 6.06% |
| CONSILIARIUM GROUP LLC3 | 1250 PITTSFORD VICTOR RD BLDG 200 STE 270 PITTSFORD, NY 14534 | LINCOLN LIFE AND ANNUITY COMPANY OF NEWYORK | $7K | — | $7K | 6.35% |
| CONSILIARIUM GROUP LLC3 Filed as: CONSILIARIUM GROUP | 1250 PITTSFORD VICTOR RD BLDG 200 STE 270 PITTSFORD, NY 14534 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 10.74% |
| CONSILIARIIUM GROUP LLC3 | 1250 PITTSFORD VICTOR RD BLDG 200 STE 270 PITTSFORD, NY 14534 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INSURANCE C | $1K | — | $1K | 9.21% |
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 | 195 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 195 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUE CROSS BLUE SHIELD | 126 | $2.3M |
| Dental | EXCELLUS BLUECROSS BLUESHIELD | 140 | $130K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INSURANCE C | 124 | $11K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 165 | $59K |
| Short-term disability | LINCOLN LIFE AND ANNUITY COMPANY OF NEWYORK | 157 | $116K |
| Long-term disability | LINCOLN LIFE AND ANNUITY COMPANY OF NEWYORK | 157 | $116K |
| Prescription drug | EXCELLUS BLUE CROSS BLUE SHIELD | 126 | $2.3M |
| Other(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 195 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 195 | — |
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.