| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BOND BENEFITS CONSULTING LLC3 | 71 MONROE AVENUE SUITE A PITTSFORD, NY 14534 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $5K | $7K | 7.82% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CUSHMAN & WAKEFIELD, INC. EIN 13-2625361 NONE | Other fees Service code 99 | — | $29.7M |
| MEDCO HEALTH SOLUTIONS, INC. EIN 22-3461740 NONE | Claims processing Service code 12 | — | $6.2M |
| CARE ALLIES EIN 41-1648670 NONE | Claims processing Service code 12 | — | $3.0M |
| VITECH SYSTEMS GROUP, INC. EIN 13-3785492 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $2.3M |
| SHI-INTERNATIONAL CORP EIN 22-3009648 NONE | Other services Service code 49 | — | $1.9M |
| DHU REALTY CORPORATION EIN 13-3687074 NONE | Other fees Service code 99 | — | $1.5M |
| CHANGE HEALTHCARE OPERATIONS, LLC D EIN 20-5731067 NONE | Claims processing Service code 12 | — | $1.4M |
| CHANGE HEALTHCARE LLC EIN 81-3611560 NONE | Claims processing Service code 12 | — | $1.4M |
| VERIZON EIN 13-5275510 NONE | Other services Service code 49 | — | $1.3M |
| MICROSOFT LICENSING, GP EIN 88-0443249 NONE | Other fees Service code 99 | — | $1.3M |
| SEGAL SELECT INSURANCE SERVICES, IN EIN 46-0619194 NONE | Insurance services Service code 23 | — | $1.2M |
| THE NEW YORK STATE INSURANCE FUND EIN 14-6013200 NONE | Insurance services Service code 23 | — | $1.1M |
| XEROX CORPORATION EIN 16-0468020 NONE | Copying and duplicating Service code 36 | — | $1.0M |
| WILLIS OF NEW YORK INC. EIN 13-2695427 NONE | Insurance services Service code 23 | — | $888K |
| MVP HEALTH CARE, INC EIN 14-1640868 NONE | Claims processing Service code 12 | — | $868K |
| US POSTAL SERVICE NONE | Other services Service code 49 | POSTMASTER, CAPS SERVICE CTR. 2700 SAN MATEO, CA 94497 | $800K |
| MILLIMAN, INC. EIN 91-0675641 NONE | Actuarial Service code 11 | — | $785K |
| COGNIZANT TRIZETTO SOFTWARE GROUP, EIN 33-0761159 NONE | Other services Service code 49 | — | $782K |
| ORACLE AMERICA, INC. EIN 94-2805249 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $749K |
| CISCO SYSTEMS CAPITAL CORPORATION EIN 77-0440621 NONE | Other services Service code 49 | — | $735K |
| MONGODB, INC. EIN 26-1463205 NONE | Other services Service code 49 | — | $734K |
| EXCELLUS HEALTH PLAN INC. EIN 15-0329043 NONE | Claims processing Service code 12 | — | $642K |
| RAPID7 LLC EIN 74-3111935 NONE | Other fees Service code 99 | — | $633K |
| SCALABLE SYSTEMS INC. EIN 20-2838091 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $632K |
| HENICK-LANE SERVICE CORP EIN 11-2193554 NONE | Other services Service code 49 | — | $610K |
| AUBURN IT RESOURCES, INC. EIN 82-4462048 NONE | Finders' fees / placement fees Service code 61 | — | $602K |
| HEALTH MANAGEMENT SYSTEMS, INC. EIN 13-2770433 NONE | Other services Service code 49 | — | $580K |
| JACK C. KEANE, INC. EIN 52-2225523 NONE | Consulting (general) Service code 16 | — | $573K |
| J W MAYS INC. EIN 11-1059070 NONE | Other fees Service code 99 | — | $503K |
| CHANGE HEALTHCARE SOLUTIONS, LLC EIN 20-5716594 NONE | Claims processing Service code 12 | — | $496K |
| VERIZON WIRELESS SERVICES LLC DBA V EIN 22-3723921 NONE | Other services Service code 49 | — | $476K |
| PROSKAUER ROSE LLP EIN 13-1840454 NONE | Legal Service code 29 | — | $459K |
| BIFF DUNCAN ASSOCIATES, INC EIN 36-4465318 NONE | Consulting (general) Service code 16 | — | $448K |
| THE STANDARD LIFE INSURANCE COMPANY EIN 13-4119477 NONE | Insurance services Service code 23 | — | $446K |
| ADP, LLC EIN 22-1467904 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $439K |
| AMALGAMATED LIFE INS. EIN 13-5501223 NONE | Insurance services Service code 23 | — | $435K |
| PRESIDIO NETWORKED SOLUTIONS, INC. EIN 58-1667655 NONE | Other services Service code 49 | — | $424K |
| MERCHANTS AUTOMOTIVE GROUP. EIN 02-0270756 NONE | Other services Service code 49 | — | $423K |
| STEP VISUAL COMMUNICATIONS LLC EIN 24-4662241 NONE | Copying and duplicating Service code 36 | — | $422K |
| ADJAYE ASSOCIATES ARCHITECTS, P.C. EIN 81-3032364 NONE | Other services Service code 49 | — | $413K |
| THE CUSTOM GROUP OF COMPANIES EIN 13-3247546 NONE | Finders' fees / placement fees Service code 61 | — | $411K |
| LEVY RATNER, P.C. EIN 13-3726314 NONE | Legal Service code 29 | — | $405K |
| AUBURN TECHNICAL SERVICES GROUP, IN EIN 13-3961986 NONE | Finders' fees / placement fees Service code 61 | — | $403K |
| GLOBETORG, INC EIN 46-3499819 NONE | Other services Service code 49 | — | $385K |
| DELPHIX CORP EIN 26-2255969 NONE | Other services Service code 49 | — | $383K |
| DELUXE DELIVERY SYSTEMS, INC EIN 13-3460676 NONE | Other services Service code 49 | — | $379K |
| NAVINET INC. EIN 04-3355932 NONE | Other services Service code 49 | — | $359K |
| G&P REALTY CO., LLC EIN 11-3354093 NONE | Other services Service code 49 | — | $346K |
| DE LAGE LANDEN FINANCIAL SERVICES, EIN 38-1904500 NONE | Other services Service code 49 | — | $337K |
| MED REVIEW INC EIN 13-3240352 NONE | Claims processing Service code 12 | — | $326K |
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 | 112,868 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 41,729 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 154,597 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MVP HEALTHCARE | 3,515 | $868K |
| Dental(4 contracts, 3 carriers) | EMBLEM HEALTH | 98,939 | $73.4M |
| Life insurance(2 contracts, 2 carriers) | AMALGAMATED LIFE INSURANCE COMPANY | 148,930 | $8.9M |
| Prescription drug | HUMANA MEDICAL PLAN, INC. | 2,632 | $229K |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,793 | $85K |
| 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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.