| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN, INC. | — | MVP HEALTH CARE | $49K | — | $49K | 4.50% |
| AMABROKUS INC3 Filed as: AMABROKUS, INC. | P.O. BOX 5004 11 GAY LANE EAST HAMPTON, NY 11937 | OXFORD HEALTH INSURANCE, INC. | $14K | — | $14K | 3.25% |
| EMERSON REID LLC3 | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | OXFORD HEALTH INSURANCE, INC. | — | $2K | $2K | 0.50% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BOULEVARD SUITE 200 HAUPPAUGE, NY 11788 | OXFORD HEALTH INSURANCE, INC. | — | $2K | $2K | 0.36% |
| BOND BENEFITS CONSULTING LLC7 Filed as: BOND FINANCIAL NETWORK INC. | 71 A MONROE AVENUE PITTSFORD VILLAGE GREEN PITTSFORD, NY 14534 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $3K | — | $3K | 7.20% |
| BOND BENEFITS CONSULTING LLC7 Filed as: BOND FINANCIAL NETWORK, INC. | 71A MONROE AVENUE PITTSFORD VILLAGE GREEN PITTSFORD, NY 14534 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $4K | — | $4K | 9.67% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY BLUE BELL, PA 19422 | AETNA | $2K | — | $2K | 5.08% |
| AMABROKUS INC3 | 11 GAY RD E HAMPTON, NY 11937 | AETNA | $559 | — | $559 | 1.60% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN, INC. | 99 TROY ROAD EAST GREENBUSH, NY 12061 | EXCELLUS BLUECROSS BLUESHIELD | $3K | — | $3K | 11.08% |
| BOND BENEFITS CONSULTING LLC7 Filed as: BOND FINANCIAL NETWORK, INC. | 71A MONROE AVENUE PITTSFORD VILLAGE GREEN PITTSFORD, NY 14534 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $596 | — | $596 | 15.00% |
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 | 177 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 181 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | MVP HEALTH CARE | 280 | $1.5M |
| Dental(2 contracts, 2 carriers) | AETNA | 39 | $59K |
| Life insurance | CIGNA LIFE INSURANCE CO. OF NEW YORK | 163 | $45K |
| Long-term disability | CIGNA LIFE INSURANCE CO. OF NEW YORK | 151 | $43K |
| Other | CIGNA LIFE INSURANCE CO. OF NEW YORK | 163 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 280 | — |
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."
No prospect flags tripped on this filing.