| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CONSILIARIUM GROUP LLC3 | 1250 PITTSFORD VICTOR RD BLDG 100 STE 110 PITTSFORD, NY 14534 | EXCELLUS BLUE CROSS BLUE SHIELD | $4K | — | $4K | 1.02% |
| MANNING & NAPIER BENEFITS LLC3 Filed as: MANNING & NAPIER BENEFITS, LLC | 290 WOODCLIFF DR FAIRPORT, NY 14450 | EXCELLUS BLUE CROSS BLUE SHIELD | $22 | — | $22 | 0.01% |
| CONSILIARIUM GROUP LLC3 | 1250 PITTSFORD VICTOR RD BLDG 100 STE 110 PITTSFORD, NY 14534 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $3K | $11K | 4.28% |
| MANNING & NAPIER BENEFITS LLC3 Filed as: MANNING & NAPIER BENEFITS, LLC | 290 WOODCLIFF DR FAIRPORT, NY 14450 | METROPOLITAN LIFE INSURANCE COMPANY | $549 | — | $549 | 0.22% |
| CONSILIARIUM GROUP LLC3 | 1250 PITTSFORD VICTOR RD BLDG 100 STE 110 PITTSFORD, NY 14534 | FIRST UNUM LIFE INSURANCE COMPANY | $8K | — | $8K | 5.52% |
| CONSILIARIUM GROUP LLC3 | 1250 PITTSFORD VICTOR RD BLDG 100 STE 110 PITTSFORD, NY 14534 | FIRST UNUM LIFE INSURANCE COMPANY | $13K | — | $13K | 16.35% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EXCELLUS BLUE CROSS BLUE SHIELD TPA | Claims processing Service code 12 | 165 COURT ST ROCHESTER, NY 14647 | $199K |
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 | 359 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 366 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUECROSS BLUESHIELD | 3 | $17K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 399 | $245K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 399 | $245K |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 197 | $79K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 367 | $151K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 367 | $151K |
| Prescription drug | EXCELLUS BLUECROSS BLUESHIELD | 3 | $17K |
| Stop-loss / reinsurancereinsurance | EXCELLUS BLUE CROSS BLUE SHIELD | 313 | $366K |
| Other | FIRST UNUM LIFE INSURANCE COMPANY | 197 | $79K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 399 | — |
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.