| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INS NOVEM BENEFITS | 350 LINDEN OAKS SUITE 140 ROCHESTER, NY 14625 | EXCELLUS BLUE CROSS BLUE SHIELD | $8K | — | $8K | 3.36% |
| NOVEM BENEFITS INC3 | 350 LINDEN OAKS SUITE 140 ROCHESTER, NY 14625 | EXCELLUS BLUE CROSS BLUE SHIELD | $2K | — | $2K | 0.95% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK | 45 EAST AVE ROCHESTER, NY 14604 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $3K | $7K | $10K | 4.69% |
| CONSILIARIUM GROUP LLC3 | 1250 PITTSFORD VICTOR RD BLD 100 STE 110 PITTSFORD, NY 14534 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $467 | — | $467 | 0.21% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK | 45 EAST AVE ROCHESTER, NY 14604 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $3K | $3K | $5K | 6.39% |
| CONSILIARIUM GROUP LLC3 | 1250 PITTSFORD VICTOR RD BLD 100 STE 110 PITTSFORD, NY 14534 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $345 | — | $345 | 0.41% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK | 45 EAST AVE ROCHESTER, NY 14604 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $4K | $3K | $7K | 8.10% |
| CONSILIARIUM GROUP LLC3 | 1250 PITTSFORD VICTOR RD BLD 100 STE 110 PITTSFORD, NY 14534 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $395 | — | $395 | 0.47% |
| NOVEM BENEFITS INC3 | 350 LINDEN OAKS STE 140 ROCHESTER, NY 146252807 | VISION SERVICE PLAN | $1K | — | $1K | 2.22% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, NY 303395946 | VISION SERVICE PLAN | $887 | — | $887 | 1.60% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W VEVA 16 SUITE 320 BLUE BELL, PA 19422 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $2K | $7K | 16.35% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK | 45 EAST AVE ROCHESTER, NY 14604 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $782 | — | $782 | 6.62% |
| CONSILIARIUM GROUP LLC3 | 1250 PITTSFORD VICTOR RD BLD 100 STE 110 PITTSFORD, NY 14534 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $499 | — | $499 | 4.22% |
| ENROLLEASE3 Filed as: KAFL INSURANCE RESOURCES | 800 LINDEN AVENUE ROCHESTER, NY 14625 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $90 | $45 | $135 | 7.74% |
| CONSILIARIUM GROUP LLC3 | 1250 PITTSFORD VICTOR RD BLD 100 STE 110 PITTSFORD, NY 14534 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $84 | $42 | $126 | 7.22% |
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 | 671 | 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) | 671 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | EXCELLUS BLUE CROSS BLUE SHIELD | 358 | $270K |
| Vision | VISION SERVICE PLAN | 379 | $55K |
| Life insurance | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 673 | $223K |
| Short-term disability(2 contracts) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 168 | $86K |
| Long-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 671 | $83K |
| Other | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 673 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 673 | — |
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.