| 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 | $7K | 7.55% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CUSHMAN & WAKEFIELD, INC. EIN 13-2625361 NONE | Other fees Service code 99 | — | $31.4M |
| MEDCO HEALTH SOLUTIONS EIN 22-3461740 NONE | Claims processing Service code 12 | — | $5.7M |
| VITECH SYSTEMS GROUP, INC. EIN 13-3785492 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $3.6M |
| CAREALLIES EIN 41-1648670 NONE | Claims processing Service code 12 | — | $2.7M |
| SHI-INTERNATIONAL CORP EIN 22-3009648 NONE | Other services Service code 49 | — | $2.6M |
| CB RICHARD ELLIS, INC. EIN 95-2743174 NONE | Other services Service code 49 | — | $2.4M |
| VERIZON EIN 13-5275510 NONE | Other services Service code 49 | — | $1.6M |
| CHANGE HEALTHCARE OPERATIONS, LLC D EIN 20-5731067 NONE | Claims processing Service code 12 | — | $1.5M |
| WAGEWORKS, INC. DBA TRANSITCHECK EIN 94-3351864 NONE | Other services Service code 49 | — | $1.5M |
| DHU REALTY CORPORATION EIN 13-3687074 NONE | Other fees Service code 99 | — | $1.5M |
| THE TRIZETTO GROUP INC. EIN 33-0761159 NONE | Other services Service code 49 | — | $1.3M |
| SEGAL SELECT INSURANCE SERVICE, INC EIN 46-0619194 NONE | Other services Service code 49 | — | $1.3M |
| GENSLER ARCHITECTURE DESIGN & PLANN EIN 94-2594210 NONE | Consulting (general) Service code 16 | — | $1.2M |
| AUBURN TECHNICAL SERVICES GROUP, IN EIN 13-3961986 NONE | Finders' fees / placement fees Service code 61 | — | $1.0M |
| MILLIMAN, INC. EIN 91-0675641 NONE | Actuarial Service code 11 | — | $1.0M |
| HENICK-LANE SERVICE CORP EIN 11-2193554 NONE | Other services Service code 49 | — | $984K |
| XEROX CORPORATION EIN 16-0468020 NONE | Copying and duplicating Service code 36 | — | $971K |
| MICROSOFT LICENSING, GP EIN 88-0443249 NONE | Other fees Service code 99 | — | $970K |
| THE NEW YORK STATE INSURANCE FUND NONE | Insurance services Service code 23 | WORKERS COMPENSATION, PO BOX 4788 SYRACUSE, NY 13221 | $953K |
| CHANGE HEALTHCARE LLC EIN 81-3611560 NONE | Claims processing Service code 12 | — | $857K |
| MVP HEALTH CARE, INC EIN 14-1640868 NONE | Claims processing Service code 12 | — | $825K |
| COTIVITI, INC. EIN 56-2059380 NONE | Other services Service code 49 | — | $820K |
| PROSKAUER ROSE LLP EIN 13-1840454 NONE | Legal Service code 29 | — | $809K |
| ORACLE AMERICA, INC. EIN 94-2805249 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $721K |
| CISCO SYSTEMS CAPITAL CORPORATION EIN 77-0440621 NONE | Other services Service code 49 | — | $709K |
| CYBER RELIANCE ADVISORS, INC DBA CA EIN 81-4058899 NONE | Other services Service code 49 | — | $690K |
| US POSTAL SERVICE NONE | Other services Service code 49 | POSTMASTER, CAPS SERVICE CTR. 2700 SAN MATEO, CA 94497 | $650K |
| GARDINER & THEOBALD INC EIN 58-2055197 NONE | Other services Service code 49 | — | $641K |
| JACK C. KEANE, INC. EIN 52-2225523 NONE | Consulting (general) Service code 16 | — | $562K |
| STEP VISUAL COMMUNICATIONS LLC EIN 24-4662241 NONE | Copying and duplicating Service code 36 | — | $533K |
| THE STANDARD LIFE INSURANCE COMPANY EIN 13-4119477 NONE | Insurance services Service code 23 | — | $526K |
| VERIZON WIRELESS SERVICES LLC DBA V EIN 22-3723921 NONE | Other services Service code 49 | — | $523K |
| WILLIS OF NEW YORK INC. EIN 13-2695427 NONE | Insurance services Service code 23 | — | $515K |
| AMALGAMATED LIFE INS. EIN 13-5501223 NONE | Insurance services Service code 23 | — | $512K |
| J W MAYS INC. EIN 11-1059070 NONE | Other fees Service code 99 | — | $488K |
| BCA WATSON RICE LLP EIN 26-1726741 NONE | Accounting (including auditing) Service code 10 | — | $486K |
| EMC CORPORATION EIN 04-2680009 NONE | Other services Service code 49 | — | $479K |
| CHANGE HEALTHCARE SOLUTIONS, LLC EIN 20-5716594 NONE | Claims processing Service code 12 | — | $474K |
| HEALTH MANAGEMENT SYSTEMS, INC. EIN 13-2770433 NONE | Other services Service code 49 | — | $462K |
| CDW DIRECT, LLC EIN 36-4530079 NONE | Other services Service code 49 | — | $460K |
| SCALABLE SYSTEMS INC. EIN 20-2838091 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $431K |
| PRESIDIO NETWORKED SOLUTIONS, INC. EIN 58-1667655 NONE | Other services Service code 49 | — | $431K |
| NAVINET INC. EIN 04-3355932 NONE | Other services Service code 49 | — | $400K |
| LEVY, RATNER P.C. EIN 13-3726314 NONE | Legal Service code 29 | — | $393K |
| MONGODB, INC. EIN 26-1463205 NONE | Consulting (general) Service code 16 | — | $391K |
| ADP, LLC EIN 22-1467904 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $388K |
| BIFF DUNCAN ASSOCIATES, INC EIN 36-4465318 NONE | Consulting (general) Service code 16 | — | $370K |
| GLOBETORG, INC EIN 46-3499819 NONE | Other services Service code 49 | — | $366K |
| ROBERT DERECTOR PE PC DBA ROBERT DE EIN 13-3864618 NONE | Consulting (general) Service code 16 | — | $362K |
| DELUXE DELIVERY SYSTEMS, INC EIN 13-3460676 NONE | Other services Service code 49 | — | $360K |
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 | 111,222 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 41,187 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 152,409 | 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 | 1,806 | $99K |
| 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.