| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | — | EXCELLUS BLUECROSS BLUESHIELD | $34K | — | $34K | 2.18% |
| CONSILIARIUM GROUP LLC3 | 1250 PITTSFORD VICTOR RD BLDG 200 STE 270 PITTSFORD, NY 14534 | EXCELLUS BLUECROSS BLUESHIELD | $27K | — | $27K | 1.73% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | — | GUARDIAN LIFE INSURANCE COMPANY | $3K | — | $3K | 2.89% |
| CONSILIARIUM GROUP LLC3 | 1250 PITTSFORD VICTOR RD BLDG 200 STE 270 PITTSFORD, NY 14534 | GUARDIAN LIFE INSURANCE COMPANY | $694 | — | $694 | 0.74% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | — | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $1K | $364 | $2K | 7.33% |
| JENNIFER GRANEY3 | CONSILIARIUM GROUP LLC 1250 PITTSFORD VICTOR RD PITTSFORD, NY 14534 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $809 | — | $809 | 3.40% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 100 MERIDIAN CENTRE BLVD ROCHESTER, NY 14618 | EYEMED VISION CARE | $721 | — | $721 | 5.08% |
| CONSILIARIUM GROUP LLC3 | 1250 PITTSFORD VICTOR RD BLDG 200 STE 270 PITTSFORD, NY 14534 | EYEMED VISION CARE | $471 | — | $471 | 3.32% |
| JENNIFER GRANEY3 | CONSILIARIUM GROUP 1250 PITTSFORD VICTOR RD PITTSFORD, NY 14534 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $149 | — | $149 | 2.53% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 100 MERIDIAN CENTRE BLVD #100 ROCHESTER, NY 14618 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $145 | — | $145 | 2.46% |
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 | 352 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | 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)(2 contracts) | EXCELLUS BLUECROSS BLUESHIELD | 175 | $1.6M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 190 | $94K |
| Vision | EYEMED VISION CARE | 200 | $14K |
| Life insurance | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 352 | $24K |
| Long-term disability | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 23 | $6K |
| Prescription drug(2 contracts) | EXCELLUS BLUECROSS BLUESHIELD | 175 | $1.6M |
| Other | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 352 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 352 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.