| 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 | $43K | — | $43K | 4.27% |
| CONSILIARIUM GROUP LLC3 | 1250 PITTSFORD VICTOR RD BLDG 100 STE 110 PITTSFORD, NY 14534 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 12.05% |
| CONSILIARIUM GROUP LLC3 Filed as: CONSILIARIUM GROUP, LLC | 1250 PITTSFORD VICTOR RD BLDG 100 STE 110 PITTSFORD, NY 14534 | EXCELLUS BLUECROSS BLUESHIELD | $5K | — | $5K | 9.03% |
| CONSILIARIUM GROUP LLC3 Filed as: CONSILIARIUM GROUP | 1250 PITTSFORD VICTOR RD BLDG 100 STE 110 PITTSFORD, NY 14534 | VISION SERVICE PLAN | $806 | — | $806 | 6.97% |
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 | 124 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUECROSS BLUESHIELD | 76 | $1.0M |
| Dental | EXCELLUS BLUECROSS BLUESHIELD | 87 | $57K |
| Vision | VISION SERVICE PLAN | 75 | $12K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 124 | $83K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 124 | $83K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 124 | $83K |
| Prescription drug | EXCELLUS BLUECROSS BLUESHIELD | 76 | $1.0M |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 130 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 130 | — |
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.