| 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 BLUECROSS BLUESHIELD | $58K | — | $58K | 3.97% |
| CONSILAIRIUM GROUP3 | 1250 PITTSFORD VICTOR RD BLDG 100 STE 110 PITTSFORD, NY 14534 | GUARDIAN LIFE INSURANCE COMPANY | $3K | — | $3K | 3.77% |
| CONSILIARIUM GROUP LLC3 Filed as: CONSILIARIUM GROUP | 1250 PITTSFORD VICTOR RD BLDG 100 STE 110 PITTSFORD, NY 14534 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $2K | — | $2K | 9.30% |
| CONSILIARIUM GROUP LLC3 Filed as: CONSILIARIUM GROUP | 1250 PITTSFORD VICTOR RD BLDG 100 SSTE 110 PITTSFORD, NY 14534 | EYEMED VISION CARE | $2K | — | $2K | 10.84% |
| JENNIFER GRANEY3 | CONSILIARIUM GROUP 1250 PITTSFORD VICTOR RD PITTSFORD, NY 14534 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $297 | — | $297 | 5.00% |
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 | 388 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 404 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | EXCELLUS BLUECROSS BLUESHIELD | 190 | $1.6M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 202 | $88K |
| Vision | EYEMED VISION CARE | 250 | $14K |
| Life insurance | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 388 | $23K |
| Long-term disability | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 25 | $6K |
| Prescription drug(2 contracts) | EXCELLUS BLUECROSS BLUESHIELD | 190 | $1.6M |
| Other | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 388 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 388 | — |
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.