| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BOND BENEFITS CONSULTING LLC3 Filed as: BOND FINANCIAL NETWORK INC. | 71 MONROE AVENUE SUITE A PITTSFORD, NY 14534 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $4K | $6K | 7.33% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CUSHMAN & WAKEFIELD, INC. NONE | Other fees Service code 99 | JP MORGANCHASE LOCKBOX NEW YORK, NY 100879334 | $22.7M |
| CAREALLIES EIN 23-1728483 NONE | Claims processing Service code 12 | — | $2.7M |
| EBS MASTER, LLC DBA EMDEON EIN 20-5591816 NONE | Copying and duplicating Service code 36 | — | $2.2M |
| MEDCO HEALTH SOLUTIONS EIN 22-3461740 NONE | Claims processing Service code 12 | — | $1.8M |
| DHU REALTY CORPORATION NONE | Other fees Service code 99 | 310 W 43RD ST, 5TH FL NEW YORK, NY 10036 | $1.3M |
| XEROX CORPORATION EIN 16-0468020 NONE | Copying and duplicating Service code 36 | — | $1.3M |
| THE TRIZETTO GROUP INC. EIN 33-0761159 NONE | Other services Service code 49 | — | $1.2M |
| AUBURN TECHNICAL SERVICES GROUP, IN EIN 13-3961986 NONE | Finders' fees / placement fees Service code 61 | — | $1.1M |
| US POSTAL SERVICE NONE | Other services Service code 49 | POSTMASTER, CAPS SERVICE CTR. 2700 SAN MATEO, CA 94497 | $1.1M |
| LEVY, RATNER P.C. EIN 13-3062532 NONE | Legal Service code 29 | — | $1.1M |
| MILLIMAN, INC. EIN 91-0675641 NONE | Actuarial Service code 11 | — | $1.0M |
| MEDCO CONTAINMENT LIFE INSURANCE CO EIN 42-1425239 NONE | Claims processing Service code 12 | — | $876K |
| SHI-INTERNATIONAL CORP EIN 22-3009648 NONE | Other services Service code 49 | — | $859K |
| HENICK-LANE SERVICE CORP EIN 11-2193554 NONE | Other services Service code 49 | — | $852K |
| FEDERAL INSURANCE COMPANY NONE | Insurance services Service code 23 | ATTN IRA WECHSLER-FIDUCIARY LIABII NEW YORK, NY 10016 | $825K |
| VERIZON NONE | Other services Service code 49 | PO BOX 15124 ALBANY, NY 12212 | $767K |
| CIT TECHNOLOGY FIN SERV INC EIN 04-2547678 NONE | Other services Service code 49 | — | $767K |
| MVP HEALTHCARE EIN 14-1640868 NONE | Claims processing Service code 12 | — | $722K |
| AVAYA FINANCIAL SERVICES, INC DBA C EIN 22-3211455 NONE | Other services Service code 49 | — | $707K |
| MICROSOFT LICENSING, GP EIN 88-0443249 NONE | Other fees Service code 99 | — | $682K |
| STEP VISUAL COMMUNICATIONS LLC EIN 24-4662241 NONE | Copying and duplicating Service code 36 | — | $612K |
| ORACLE AMERICA, INC. EIN 94-2805249 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $607K |
| THE NEW YORK STATE INSURANCE FUND NONE | Insurance services Service code 23 | WORKERS COMPENSATION, PO BOX 4788 SYRACUSE, NY 13221 | $556K |
| VERIZON WIRELESS SERVICES LLC EIN 22-3723921 NONE | Other services Service code 49 | — | $542K |
| JACK C. KEANE, INC. EIN 52-2225523 NONE | Consulting (general) Service code 16 | — | $535K |
| BIFF DUNCAN ASSOCIATES, INC EIN 36-4465318 NONE | Consulting (general) Service code 16 | — | $534K |
| WILLIS OF NEW YORK INC. NONE | Insurance services Service code 23 | PO BOX 415167 BOSTON, MA 022415167 | $519K |
| AMALGAMATED LIFE INS. EIN 13-5501223 NONE | Insurance services; Other fees Service code 23 | — | $478K |
| MEDREVIEW, INC. EIN 23-7379635 NONE | Claims processing Service code 12 | — | $473K |
| OPTIMUM LIGHTPATH EIN 11-3052355 NONE | Consulting (general) Service code 16 | — | $466K |
| THE STANDARD LIFE INSURANCE COMPANY EIN 13-4119477 NONE | Insurance services Service code 23 | — | $434K |
| STAPLES BUSINESS ADVANTAGE NONE | Other services Service code 49 | DEPT. NY, P.O. BOX 415246 BOSTON, MA 002415256 | $423K |
| MITCHELL & TITUS, LLP EIN 13-2781641 NONE | Consulting (general) Service code 16 | — | $405K |
| BLACKROCK FINANCIAL MANAGEMENT, INC EIN 13-3806691 NONE | Investment management fees paid directly by plan Service code 51 | — | $404K |
| VITECH SYSTEMS GROUP, INC. EIN 13-3785492 NONE | Other services Service code 49 | — | $402K |
| UNION TRAVEL MASTERCARD CAPITAL ONE NONE | Other services Service code 49 | PO BOX 88000 BALTIMORE, MD 21288 | $402K |
| CDW DIRECT, LLC EIN 36-4530079 NONE | Other services Service code 49 | — | $400K |
| THE BACHRACH GROUP LTD. EIN 03-0408733 NONE | Other services Service code 49 | — | $397K |
| ADP, INC. EIN 13-3036745 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $379K |
| CONSOLIDATED COLOR PRESS INC NONE | Copying and duplicating Service code 36 | 307 SEVENTH AVE NEW YORK, NY 10001 | $376K |
| MCKESSON HEALTH SOLUTIONS EIN 94-3207296 NONE | Claims processing Service code 12 | — | $370K |
| NAVINET INC. EIN 04-3355932 NONE | Other services Service code 49 | — | $368K |
| LANGUAGE LINE SERVICES EIN 77-0586710 NONE | Other services Service code 49 | — | $361K |
| MCKESSON TECHNOLOGIES INC DBA RELAY EIN 58-1651222 NONE | Consulting (general) Service code 16 | — | $350K |
| MEDTEK CONTRACTING EIN 26-2103605 NONE | Other services Service code 49 | — | $349K |
| J W MAYS INC. EIN 11-1059070 NONE | Other fees Service code 99 | — | $310K |
| TECHDEMOCRACY LLC EIN 75-2902045 NONE | Other services Service code 49 | — | $310K |
| HILTON NEW YORK & TOWERS EIN 26-1125868 NONE | Other services Service code 49 | — | $306K |
| SOFTART SOLUTIONS INC. EIN 20-0067615 NONE | Other services Service code 49 | — | $305K |
| GLOBETORG, INC EIN 46-3499819 NONE | Finders' fees / placement fees Service code 61 | — | $297K |
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 | 114,363 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 38,215 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 152,578 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | AMALGAMATED LIFE INSURANCE COMPANY | 148,930 | $8.9M |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,691 | $86K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 148,930 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.