| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CONSILIARIUM GROUP LLC3 Filed as: CONSILIARIUM GROUP | 1250 PITTSFORD VICTOR RD BLDG 100 STE 110 PITTSFORD, NY 14534 | MVP HEALTH CARE | $66K | — | $66K | 3.36% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT RELPH AGENCY | 400 WILLOWBROOK OFFICE PARK SUITE 400 FAIRPORT, NY 14450 | MVP HEALTH CARE | $15 | — | $15 | 0.00% |
| CONSILIARIUM GROUP LLC3 Filed as: CONSILIARIUM GROUP | 1250 PITTSFORD VICTOR RD BLDG 100 STE 110 PITTSFORD, NY 14534 | EXCELLUS BLUECROSS BLUESHIELD | $8K | — | $8K | 5.49% |
| CONSILIARIUM GROUP LLC3 Filed as: CONSILIARIUM GROUP | 1250 PITTSFORD VICTOR RD BLDG 100 STE 110 PITTSFORD, NY 14534 | CIGNA LIFE INSURANCE CO OF NY | $3K | — | $3K | 7.90% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY | 400 WILLOWBROOK STE 400 WILLOWBROOK OFFICE PARK FAIRPORT, NY 14450 | CIGNA LIFE INSURANCE CO OF NY | $472 | — | $472 | 1.37% |
| CONSILIARIUM GROUP LLC3 Filed as: CONSILIARIUM GROUP | 1250 PITTSFORD VICTOR RD BLDG 100 STE 110 PITTSFORD, NY 14534 | GUARDIAN LIFE INSURANCE CO OF AMERICA | $2K | — | $2K | 8.91% |
| RELPH ROBERT G AGENCY INC3 Filed as: RELPH AGENCY | — | GUARDIAN LIFE INSURANCE CO OF AMERICA | — | $1K | $1K | 6.17% |
| NATIONAL BENEFIT CENTER3 Filed as: NATIONAL BENEFIT CENTER LLC | 1105 NORTH MARKET ST SUITE 1300 WILMINGTON, DE 19801 | GUARDIAN LIFE INSURANCE CO OF AMERICA | $18 | — | $18 | 0.09% |
| CONSILIARIUM GROUP LLC3 Filed as: CONSILIARIUM GROUP | 1250 PITTSFORD VICTOR RD BLDG 100 STE 110 PITTSFORD, NY 14534 | CIGNA LIFE INSURANCE CO OF NY | $3K | — | $3K | 18.74% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT RELPH AGENCY | 400 WILLOWBROOK STE 400 WILLOWBROOK OFFICE PARK FAIRPORT, NY 14450 | CIGNA LIFE INSURANCE CO OF NY | -$455 | — | -$455 | -3.30% |
| CONSILIARIUM GROUP LLC3 Filed as: CONSILIARIUM GROUP | 1250 PITTSFORD VICTOR RD BLDG 100 STE 110 PITTSFORD, NY 14534 | CIGNA LIFE INSURANCE CO OF NY | $406 | — | $406 | 15.00% |
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 | 264 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 265 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MVP HEALTH CARE | 311 | $2.0M |
| Dental | EXCELLUS BLUECROSS BLUESHIELD | 194 | $152K |
| Vision | GUARDIAN LIFE INSURANCE CO OF AMERICA | 155 | $20K |
| Life insurance | CIGNA LIFE INSURANCE CO OF NY | 264 | $34K |
| Long-term disability | CIGNA LIFE INSURANCE CO OF NY | 264 | $14K |
| Prescription drug | MVP HEALTH CARE | 311 | $2.0M |
| Other(2 contracts, 2 carriers) | EMPLOYEE NETWORK, INC | 298 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 311 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.