| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CONSILIARIUM GROUP LLC3 | 1250 PITTSFORD VICTOR RD BLDG 200 STE 270 PITTSFORD, NY 14534 | EXCELLUS BLUECROSS BLUESHIELD | $46K | — | $46K | 2.85% |
| SMOLA CONSULTING, LLC3 Filed as: SMOLA CONSULTING | 1 S. WASHINGTON ST SUITE 502 ROCHESTER, NY 14614 | EXCELLUS BLUECROSS BLUESHIELD | $17K | — | $17K | 1.03% |
| CONSILIARIUM GROUP LLC3 | 1250 PITTSFORD VICTOR RD BLDG 200 STE 270 PITTSFORD, NY 14534 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 1.69% |
| SMOLA CONSULTING, LLC3 Filed as: SMOLA CONSULTING LLC | 1 S WASHINGTON ST SUITE 520 ROCHESTER, NY 14614 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 1.47% |
| CONSILIARIUM GROUP LLC3 | 1250 PITTSFORD VICTOR RD BLDG 200 STE 270 PITTSFORD, NY 14534 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 7.65% |
| SMOLA CONSULTING, LLC3 Filed as: SMOLA CONSULTING LLC | 1 S WASHINGTON ST SUITE 520 ROCHESTER, NY 14614 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 2.35% |
| AXA ASSISTANCE, USA5 Filed as: AXA ASSISTANCE USA | 122 SOUTH MICHIGAN AVE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $86 | $86 | 0.08% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | SUITE 300 400 MIDLAND DR MT LAUREL, NJ 08054 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | -$174 | — | -$174 | -0.15% |
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 | 296 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 299 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUECROSS BLUESHIELD | 188 | $1.6M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 233 | $206K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 233 | $206K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 296 | $112K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 296 | $112K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 296 | $112K |
| Prescription drug | EXCELLUS BLUECROSS BLUESHIELD | 188 | $1.6M |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 296 | $112K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 296 | — |
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.