| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MANNING & NAPIER BENEFITS LLC3 Filed as: MANNING & NAPIER BENEFITS, LLC | 290 WOODCLIFF DRIVE FAIRPORT, NY 14450 | EXCELLUS BLUECROSS BLUESHIELD | $22K | — | $22K | 4.48% |
| ROBERT WATERS3 Filed as: ROBERT T WATERS | 250 SOUTH CLINTON STREET SUITE 300 SYRACUSE, NY 13202 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | — | $2K | 8.47% |
| CONSILIARIUM GROUP LLC3 Filed as: CONSILIARIUM GROUP, LLC | 1250 PITTSFORD VICTOR ROAD BUILDING 200 SUITE 270 PITTSFORD, NY 14534 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | — | $1K | 4.11% |
| MANNING & NAPIER BENEFITS LLC3 Filed as: MANNING & NAPIER BENEFITS | 290 WOODCLIFF DRIVE FAIRPORT, NY 14450 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | — | $1K | 5.07% |
| CONSILIARIUM GROUP LLC3 Filed as: CONSILIARIUM GROUP, LLC | 1250 PITTSFORD VICTOR ROAD BUILDING 200 SUITE 270 PITTSFORD, NY 14534 | FIRST UNUM LIFE INSURANCE COMPANY | $6K | $93 | $6K | 49.77% |
| MANNING & NAPIER BENEFITS LLC3 | 290 WOODCLIFF DRIVE FAIRPORT, NY 144504212 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | — |
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 | 254 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 256 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUECROSS BLUESHIELD | 94 | $502K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 113 | $0 |
| Life insurance(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 254 | $41K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 80 | $27K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 254 | $29K |
| Prescription drug | EXCELLUS BLUECROSS BLUESHIELD | 94 | $502K |
| Other | FIRST UNUM LIFE INSURANCE COMPANY | 254 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 254 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.