| 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 | $5K | $6K | 7.74% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CUSHMAN & WAKEFIELD, INC. EIN 13-2625361 NONE | Other fees Service code 99 | — | $24.8M |
| MEDCO HEALTH SOLUTIONS EIN 22-3461740 NONE | Claims processing Service code 12 | — | $5.1M |
| VITECH SYSTEMS GROUP, INC. EIN 13-3785492 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $3.2M |
| CAREALLIES EIN 41-1648670 NONE | Claims processing Service code 12 | — | $2.7M |
| CHANGE HEALTHCARE OPERATIONS, LLC EIN 20-5731067 NONE | Claims processing Service code 12 | — | $1.7M |
| WAGEWORKS, INC. DBA TRANSITCHECK EIN 94-3351864 NONE | Other services Service code 49 | — | $1.6M |
| THE TRIZETTO GROUP INC. EIN 33-0761159 NONE | Other services Service code 49 | — | $1.6M |
| DHU REALTY CORPORATION EIN 13-3687074 NONE | Other fees Service code 99 | — | $1.5M |
| AUBURN TECHNICAL SERVICES GROUP, IN EIN 13-3961986 NONE | Finders' fees / placement fees Service code 61 | — | $1.3M |
| MED TEK CONTRACTING, INC. EIN 26-2103605 NONE | Other services Service code 49 | — | $1.3M |
| HENICK-LANE SERVICE CORP EIN 11-2193554 NONE | Other services Service code 49 | — | $1.3M |
| SHI-INTERNATIONAL CORP EIN 22-3009648 NONE | Other services Service code 49 | — | $1.0M |
| VERIZON EIN 13-5275510 NONE | Other services Service code 49 | — | $901K |
| FEDERAL INSURANCE COMPANY EIN 13-1963496 NONE | Insurance services Service code 23 | — | $839K |
| MVP HEALTH CARE, INC EIN 14-1640868 NONE | Claims processing Service code 12 | — | $805K |
| XEROX CORPORATION EIN 16-0468020 NONE | Copying and duplicating Service code 36 | — | $793K |
| MILLIMAN, INC. EIN 91-0675641 NONE | Actuarial Service code 11 | — | $777K |
| US POSTAL SERVICE NONE | Other services Service code 49 | CAPS SERVICE CTR. 2700 CAMPUS DRIVE SAN MATEO, CA 94497 | $750K |
| ORACLE AMERICA, INC. EIN 94-2805249 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $734K |
| CDW DIRECT, LLC EIN 36-4530079 NONE | Other services Service code 49 | — | $732K |
| AVAYA FINANCIAL SERVICES, INC EIN 22-3211455 NONE | Other services Service code 49 | — | $707K |
| CYBER RELIANCE ADVISORS, INC EIN 81-4058899 NONE | Other services Service code 49 | — | $690K |
| GENERAL DYNAMICS INFORMATION TECHNO EIN 54-1194322 NONE | Consulting (general) Service code 16 | — | $685K |
| LEVY, RATNER P.C. EIN 13-3062532 NONE | Legal Service code 29 | — | $668K |
| VERIZON WIRELESS SERVICES LLC DBA V EIN 22-3723921 NONE | Other services Service code 49 | — | $632K |
| STEP VISUAL COMMUNICATIONS LLC EIN 24-4662241 NONE | Copying and duplicating Service code 36 | — | $610K |
| THE BACHRACH GROUP LTD. EIN 03-0408733 NONE | Other services Service code 49 | — | $608K |
| MCKESSON TECHNOLOGIES INC DBA RELAY EIN 58-1651222 NONE | Consulting (general) Service code 16 | — | $566K |
| WILLIS OF NEW YORK INC. EIN 13-2695427 NONE | Insurance services Service code 23 | — | $565K |
| JACK C. KEANE, INC. EIN 52-2225523 NONE | Consulting (general) Service code 16 | — | $551K |
| THE NEW YORK STATE INSURANCE FUND NONE | Insurance services Service code 23 | WORKERS COMPENSATION, PO BOX 4788 SYRACUSE, NY 13221 | $524K |
| BCA WATSON RICE LLP EIN 26-1726741 NONE | Accounting (including auditing) Service code 10 | — | $519K |
| SCALABLE SYSTEMS INC. EIN 20-2838091 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $488K |
| MCKESSON HEALTH SOLUTIONS EIN 94-3207296 NONE | Claims processing Service code 12 | — | $477K |
| OPTIMUM LIGHTPATH EIN 11-3052355 NONE | Consulting (general) Service code 16 | — | $477K |
| AMALGAMATED LIFE INS. EIN 13-5501223 NONE | Insurance services Service code 23 | — | $475K |
| J W MAYS INC. EIN 11-1059070 NONE | Other fees Service code 99 | — | $473K |
| THE STANDARD LIFE INSURANCE COMPANY EIN 13-4119477 NONE | Insurance services Service code 23 | — | $472K |
| GLOBETORG, INC EIN 46-3499819 NONE | Other services Service code 49 | — | $459K |
| ADP, INC. EIN 13-3036745 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $453K |
| NAVINET INC. EIN 04-3355932 NONE | Other services Service code 49 | — | $446K |
| DE LAGE LANDEN FINANCIAL SERVICES EIN 38-1904500 NONE | Other services Service code 49 | — | $429K |
| DELPHIX CORP EIN 26-2255969 NONE | Other services Service code 49 | — | $423K |
| MICROSOFT LICENSING, GP EIN 88-0443249 NONE | Other fees Service code 99 | — | $410K |
| CHANGE HEALTHCARE SOLUTIONS, LLC EIN 20-5716594 NONE | Claims processing Service code 12 | — | $405K |
| CISCO SYSTEMS CAPITAL CORPORATION EIN 77-0440621 NONE | Other services Service code 49 | — | $398K |
| OFFICE DEPOT, INC. EIN 59-2663954 NONE | Other services Service code 49 | — | $384K |
| DELL MARKETING LP EIN 74-2616805 NONE | Other services Service code 49 | — | $381K |
| SOVOS COMPLIANCE LLC EIN 46-1379693 NONE | Other services Service code 49 | — | $378K |
| MERCHANTS AUTOMOTIVE GROUP. EIN 02-0270756 NONE | Other services Service code 49 | — | $358K |
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 | 110,922 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 40,228 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 151,150 | 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 | 1,767 | $83K |
| 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.