| 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 | EXCELLUS BLUE CROSS BLUE SHIELD | $36K | — | $36K | 4.29% |
| MANNING & NAPIER BENEFITS LLC3 Filed as: MANNING & NAPIER BENEFITS | 290 WOODCLIFF DR FAIRPORT, NY 14450 | EXCELLUS BLUE CROSS BLUE SHIELD | $116 | — | $116 | 0.01% |
| CONSILIARIUM GROUP LLC3 Filed as: CONSILIARIUM GROUP | 1250 PITTSFORD VICTOR RD BLDG 100 STE 110 PITTSFORD, NY 14534 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 3.63% |
| MANNING & NAPIER BENEFITS LLC3 Filed as: MANNING & NAPIER BENEFITS | 290 WOODCLIFF DR FAIRPORT, NY 14450 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $227 | — | $227 | 0.16% |
| CONSILIARIUM GROUP LLC3 Filed as: CONSILIARIUM GROUP | 1250 PITTSFORD VICTOR RD BLDG 100 STE 110 PITTSFORD, NY 14534 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $767 | $5K | 16.38% |
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 | 316 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 316 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUE CROSS BLUE SHIELD | 161 | $828K |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 189 | $140K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 189 | $140K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 316 | $28K |
| Prescription drug | EXCELLUS BLUE CROSS BLUE SHIELD | 161 | $828K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 316 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 316 | — |
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.