| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CONSILIARIUM GROUP LLC3 | 1250 PITTSFORD VICTOR RD BLDG 100 STE 110 PITTSFORD, NY 14534 | MVP HEALTHCARE | $72K | — | $72K | 3.83% |
| CONSILIARIUM GROUP LLC3 | 1250 PITTSFORD VICTOR RD BLDG 100 STE 110 PITTSFORD, NY 14534 | LINCOLN LIFE AND ANNUITY COMPANY OF NY | $5K | — | $5K | 10.00% |
| CONSILIARIUM GROUP LLC3 | 1250 PITTSFORD VICTOR RD BLDG 100 STE 110 PITTSFORD, NY 14534 | LINCOLN LIFE AND ANNUITY COMPANY OF NY | $5K | — | $5K | 10.00% |
| CONSILIARIUM GROUP LLC3 | 1250 PITTSFORD VICTOR RD BLDG 100 STE 110 PITTSFORD, NY 14534 | MUTUAL OF OMAHA INSURANCE COMPANY | $6K | — | $6K | 13.66% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NY | 45 EAST AVE ROCHESTER, NY 14604 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $2K | $2K | 3.78% |
| CONSILIARIUM GROUP LLC3 | 1250 PITTSFORD VICTOR RD BLDG 100 STE 110 PITTSFORD, NY 14534 | MUTUAL OF OMAHA INSURANCE COMPANY | $6K | — | $6K | 15.82% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NY INC | 45 EAST AVE ROCHESTER, NY 14604 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $2K | $2K | 4.19% |
| CONSILIARIUM GROUP LLC3 | 1250 PITTSFORD VICTOR RD BLDG 100 STE 110 PITTSFORD, NY 14534 | COMPANION LIFE INSURANCE COMPANY | $1K | — | $1K | 9.23% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NY | 45 EAST AVE. ROCHESTER, NY 14604 | COMPANION LIFE INSURANCE COMPANY | — | $307 | $307 | 2.40% |
| CONSILIARIUM GROUP LLC3 | 1250 PITTSFORD VICTOR RD BLDG 100 STE 110 PITTSFORD, NY 14534 | COMPANION LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NY INC | 45 EAST AVE ROCHESTER, NY 14604 | COMPANION LIFE INSURANCE COMPANY | — | $267 | $267 | 2.55% |
| CONSILIARIUM GROUP LLC3 | 1250 PITTSFORD VICTOR RD BLDG 100 STE 110 PITTSFORD, NY 14534 | LINCOLN LIFE AND ANNUITY COMPANY OF NY | $295 | — | $295 | 9.99% |
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 | 271 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 272 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MVP HEALTHCARE | 328 | $1.9M |
| Dental(3 contracts) | LINCOLN LIFE AND ANNUITY COMPANY OF NY | 87 | $97K |
| Vision | EYEMED VISION CARE | 174 | $19K |
| Life insurance(2 contracts) | COMPANION LIFE INSURANCE COMPANY | 144 | $23K |
| Short-term disability(2 contracts) | MUTUAL OF OMAHA INSURANCE COMPANY | 144 | $79K |
| Long-term disability(2 contracts) | MUTUAL OF OMAHA INSURANCE COMPANY | 144 | $79K |
| Prescription drug | MVP HEALTHCARE | 328 | $1.9M |
| Other(2 contracts) | MUTUAL OF OMAHA INSURANCE COMPANY | 144 | $79K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 328 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.