| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CONSILIARIUM GROUP LLC3 | 1250 PITTFORD VICTOR RD BLDG 100 STE 110 PITTSFORD, NY 14534 | MVP HEALTHCARE | $19K | — | $19K | 2.81% |
| GCG FINANCIAL LLC3 Filed as: PENTRA LLC AN ALERA GROUP AGENCY | 1041 OLD CASSATT RD BERWYN, PA 19312 | MVP HEALTHCARE | $15K | — | $15K | 2.16% |
| CONSILIARIUM GROUP LLC3 | 1250 PITTFORD VICTOR RD BLDG 100 STE 110 PITTSFORD, NY 14534 | MVP HEALTHCARE | $7K | — | $7K | 3.00% |
| GCG FINANCIAL LLC3 Filed as: PENTRA LLC AN ALERA GROUP AGENCY | 1041 OLD CASSATT RD BERWYN, PA 19312 | MVP HEALTHCARE | $4K | — | $4K | 1.95% |
| CONSILIARIUM GROUP LLC3 Filed as: CONSILIARIUM GROUP, LLC | 1250 PITTSFORD VICTOR ROAD BUILDING 100, SUITE 110 PITTSFORD, NY 14534 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 3.24% |
| PENTRA LLC3 Filed as: PENTRA INC | 795 E LANCASTER AVENUE SUITE 210 VILLANOVA, PA 19085 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 0.87% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 1041 OLD CASSATT RD BERWYN, PA 19312 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $2K | $2K | 0.81% |
| CONSILIARIUM GROUP LLC3 | 1250 PITTFORD VICTOR RD BLDG 100 STE 110 PITTSFORD, NY 14534 | MVP HEALTHCARE | $5K | — | $5K | 2.74% |
| GCG FINANCIAL LLC3 Filed as: PENTRA LLC AN ALERA GROUP AGENCY | 1041 OLD CASSATT RD BERWYN, PA 19312 | MVP HEALTHCARE | $4K | — | $4K | 2.17% |
| CONSILIARIUM GROUP LLC3 | 1250 PITTFORD VICTOR RD BLDG 100 STE 110 PITTSFORD, NY 14534 | MVP HEALTHCARE | $3K | — | $3K | 2.86% |
| GCG FINANCIAL LLC3 Filed as: PENTRA LLC AN ALERA GROUP AGENCY | 1041 OLD CASSATT RD BERWYN, PA 19312 | MVP HEALTHCARE | $2K | — | $2K | 2.10% |
| CONSILIARIUM GROUP LLC3 | 1250 PITTFORD VICTOR RD BLDG 100 STE 110 PITTSFORD, NY 14534 | MVP HEALTHCARE | $2K | — | $2K | 3.64% |
| GCG FINANCIAL LLC3 Filed as: PENTRA LLC AN ALERA GROUP AGENCY | 1041 OLD CASSATT RD BERWYN, PA 19312 | MVP HEALTHCARE | $1K | — | $1K | 1.70% |
| CONSILIARIUM GROUP LLC3 | 1250 PITTFORD VICTOR RD BLDG 100 STE 110 PITTSFORD, NY 14534 | MVP HEALTHCARE | $1K | — | $1K | 2.95% |
| GCG FINANCIAL LLC3 Filed as: PENTRA LLC AN ALERA GROUP AGENCY | 1041 OLD CASSATT RD BERWYN, PA 19312 | MVP HEALTHCARE | $838 | — | $838 | 1.88% |
| CONSILIARIUM GROUP LLC3 | BLDG 100 SUITE 170 1250 PITTSFORD VICTOR RD PITTSFORD, NY 14534 | STANDARD LIFE INS CO OF NY | $2K | — | $2K | 3.98% |
| PENTRA LLC3 | 1041 OLD CASSATT RD BERWYN, PA 19312 | STANDARD LIFE INS CO OF NY | $845 | — | $845 | 2.16% |
| PENTRA LLC3 | 1041 OLD CASSATT RD BERWYN, PA 19312 | STANDARD LIFE INS CO OF NY | $2K | — | $2K | 4.72% |
| CONSILIARIUM GROUP LLC3 | BLDG 100 SUITE 170 1250 PITTSFORD VICTOR RD PITTSFORD, NY 14534 | STANDARD LIFE INS CO OF NY | $2K | — | $2K | 4.70% |
| CONSILIARIUM GROUP LLC3 | BLDG 100 SUITE 170 1250 PITTSFORD VICTOR RD PITTSFORD, NY 14534 | STANDARD LIFE INS CO OF NY | $1K | — | $1K | 7.01% |
| PENTRA LLC3 | 1041 OLD CASSATT RD BERWYN, PA 19312 | STANDARD LIFE INS CO OF NY | $1K | — | $1K | 6.74% |
| CONSILIARIUM GROUP LLC3 | BLDG 100 SUITE 170 1250 PITTSFORD VICTOR RD PITTSFORD, NY 14534 | STANDARD LIFE INS CO OF NY | $18 | — | $18 | — |
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 | 280 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 289 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(8 contracts, 3 carriers) | MVP HEALTHCARE | 237 | $1.5M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 237 | $214K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 237 | $214K |
| Life insurance | STANDARD LIFE INS CO OF NY | 288 | $38K |
| Short-term disability | STANDARD LIFE INS CO OF NY | 96 | $39K |
| Long-term disability | STANDARD LIFE INS CO OF NY | 61 | $15K |
| Prescription drug(6 contracts) | MVP HEALTHCARE | 126 | $1.3M |
| Other(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 288 | $252K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 288 | — |
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.