| 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 | $13K | $0 | $13K | 3.37% |
| ENROLLEASE3 Filed as: DIGITAL INSURANCE AGENCY | 200 GALLERIA PKWY SE SUITE 1950 ATLANTA, GA 303395946 | AMERITAS LIFE INSURANCE CORP OF NEW YORK | $4K | $0 | $4K | 2.68% |
| CONSILIARIUM GROUP LLC3 | 1250 PITTSFORD VICTOR ROAD BUILDING 100 SUITE 110 PITTSFORD, NY 14534 | HARTFORD LIFE AND ACCIDENT | $9K | $0 | $9K | 13.59% |
| CONSILIARIUM GROUP LLC3 | 1250 PITTSFORD VICTOR RD BLDIG 100 STE 110 PITTSFORD, NY 14534 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $6K | $0 | $6K | 10.00% |
| CONSILIARIUM GROUP LLC3 | 1250 PITTSFORD VICTOR RD BLDG 100 STE 110 PITTSFORD, NY 14534 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $6K | $5K | $10K | 18.42% |
| CONSILIARIUM GROUP LLC3 | 1250 PITTSFORD VICTOR RD BLDG 100 STE 110 PITTSFORD, NY 14534 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $5K | $0 | $5K | 10.00% |
| CONSILIARIUM GROUP LLC3 | 1250 PITTSFORD VICTOR RD BLDG 100 STE 110 PITTSFORD, NY 14534 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $2K | $4K | $6K | 30.00% |
| CONSILIARIUM GROUP LLC3 | 1250 PITTSFORD VICTOR RD BLDG 100 STE 110 PITTSFORD, NY 14534 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $1K | $725 | $2K | 15.34% |
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 | 919 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 928 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HARTFORD LIFE AND ACCIDENT | 173 | $69K |
| Dental(2 contracts, 2 carriers) | EXCELLUS BLUE CROSS BLUE SHIELD | 470 | $525K |
| Vision | AMERITAS LIFE INSURANCE CORP OF NEW YORK | 206 | $136K |
| Life insurance(2 contracts) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 928 | $58K |
| Short-term disability(2 contracts) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 928 | $75K |
| Long-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 928 | $57K |
| Stop-loss / reinsurancereinsurance | EXCELLUS BLUE CROSS BLUE SHIELD | 627 | $681K |
| Other | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 928 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 928 | — |
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.