| 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 | $32K | — | $32K | 4.79% |
| CONSILIARIUM GROUP LLC3 | 1250 PITTFORD VICTOR RD BLDG 100 STE 110 PITTSFORD, NY 14534 | MVP HEALTHCARE | $10K | — | $10K | 4.97% |
| CONSILIARIUM GROUP LLC3 | 1250 PITTFORD VICTOR RD BLDG 100 STE 110 PITTSFORD, NY 14534 | MVP HEALTHCARE | $8K | — | $8K | 4.94% |
| 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 | $6K | — | $6K | 3.63% |
| CONSILIARIUM GROUP LLC3 | 1250 PITTFORD VICTOR RD BLDG 100 STE 110 PITTSFORD, NY 14534 | MVP HEALTHCARE | $6K | — | $6K | 4.96% |
| CONSILIARIUM GROUP LLC3 | 1250 PITTFORD VICTOR RD BLDG 100 STE 110 PITTSFORD, NY 14534 | MVP HEALTHCARE | $5K | — | $5K | 6.10% |
| CONSILIARIUM GROUP LLC3 | BLDG 100 SUITE 170 1250 PITTSFORD VICTOR RD PITTSFORD, NY 14534 | STANDARD OF NEW YORK | $4K | — | $4K | 9.32% |
| CONSILIARIUM GROUP LLC3 | 1250 PITTFORD VICTOR RD BLDG 100 STE 110 PITTSFORD, NY 14534 | MVP HEALTHCARE | $2K | — | $2K | 5.23% |
| CONSILIARIUM GROUP LLC3 | BLDG 100 SUITE 170 1250 PITTSFORD VICTOR RD PITTSFORD, NY 14534 | STANDARD OF NEW YORK | $5K | $763 | $5K | 15.59% |
| CONSILIARIUM GROUP LLC3 | BLDG 100 SUITE 170 1250 PITTSFORD VICTOR RD PITTSFORD, NY 14534 | STANDARD OF NEW YORK | $3K | — | $3K | 13.91% |
| CONSILIARIUM GROUP LLC3 | BLDG 100 SUITE 170 1250 PITTSFORD VICTOR RD PITTSFORD, NY 14534 | STANDARD OF NEW YORK | $5K | $382 | $5K | 30.75% |
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 | 295 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 295 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 2 carriers) | MVP HEALTHCARE | 116 | $1.3M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 228 | $156K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 228 | $156K |
| Life insurance | STANDARD OF NEW YORK | 295 | $38K |
| Short-term disability | STANDARD OF NEW YORK | 96 | $34K |
| Long-term disability | STANDARD OF NEW YORK | 70 | $17K |
| Prescription drug(6 contracts) | MVP HEALTHCARE | 116 | $1.3M |
| Other(2 contracts) | STANDARD OF NEW YORK | 295 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 295 | — |
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.