| 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 | 8.07% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CUSHMAN & WAKEFIELD, INC. EIN 13-2625361 NONE | Other fees Service code 99 | — | $24.4M |
| MEDCO HEALTH SOLUTIONS, INC. EIN 22-3461740 NONE | Claims processing Service code 12 | — | $5.1M |
| CARE ALLIES EIN 41-1648670 NONE | Claims processing Service code 12 | — | $2.9M |
| SHI-INTERNATIONAL CORP EIN 22-3009648 NONE | Other services Service code 49 | — | $1.9M |
| CHANGE HEALTHCARE OPERATIONS, LLC D EIN 20-5731067 NONE | Claims processing Service code 12 | — | $1.8M |
| DHU REALTY CORPORATION EIN 13-3687074 NONE | Other fees Service code 99 | — | $1.6M |
| MICROSOFT LICENSING, GP EIN 88-0443249 NONE | Other fees Service code 99 | — | $1.4M |
| THE NEW YORK STATE INSURANCE FUND EIN 14-6013200 NONE | Insurance services Service code 23 | — | $1.4M |
| AUBURN IT RESOURCES, INC. EIN 82-4462048 NONE | Finders' fees / placement fees Service code 61 | — | $1.3M |
| CHANGE HEALTHCARE LLC EIN 81-3611560 NONE | Claims processing Service code 12 | — | $1.2M |
| SEGAL SELECT INSURANCE SERVICES INC EIN 46-0619194 NONE | Other services Service code 49 | — | $1.2M |
| LEVY RATNER, P.C. EIN 13-3726314 NONE | Legal Service code 29 | — | $1.2M |
| 3BF PARTNERS, LLC EIN 37-1920632 NONE | Other fees Service code 99 | — | $1.2M |
| VERIZON EIN 13-5275510 NONE | Other services Service code 49 | — | $1.1M |
| US POSTAL SERVICE NONE | Other services Service code 49 | POSTMASTER, CAPS SERVICE CTR. 2700 SAN MATEO, CA 94497 | $1.1M |
| VITECH SYSTEMS GROUP, INC. EIN 13-3785492 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $885K |
| COGNIZANT TRIZETTO SOFTWARE GROUP, EIN 33-0761159 NONE | Other services Service code 49 | — | $868K |
| MVP HEALTH CARE, INC EIN 14-1640868 NONE | Claims processing Service code 12 | — | $865K |
| MILLIMAN, INC. EIN 91-0675641 NONE | Actuarial Service code 11 | — | $850K |
| WILLIS OF NEW YORK INC. EIN 13-2695427 NONE | Insurance services Service code 23 | — | $835K |
| VERIZON WIRELESS SERVICES LLC EIN 22-3723921 NONE | Other services Service code 49 | — | $801K |
| ORACLE AMERICA, INC. EIN 94-2805249 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $767K |
| CISCO SYSTEMS CAPITAL CORPORATION EIN 77-0440621 NONE | Other services Service code 49 | — | $762K |
| TAOS MOUNTAIN, LLC EIN 77-0441371 NONE | Other services Service code 49 | — | $700K |
| HENICK-LANE SERVICE CORP EIN 11-2193554 NONE | Other services Service code 49 | — | $629K |
| XEROX CORPORATION EIN 16-0468020 NONE | Copying and duplicating Service code 36 | — | $620K |
| STEP VISUAL COMMUNICATIONS LLC EIN 24-4662241 NONE | Copying and duplicating Service code 36 | — | $611K |
| COMPUTER DESIGN & INTEGRATION, LLC EIN 13-3823827 NONE | Other services Service code 49 | — | $606K |
| JACK C. KEANE, INC. EIN 52-2225523 NONE | Consulting (general) Service code 16 | — | $585K |
| EXCELLUS HEALTH PLAN INC. EIN 15-0329043 NONE | Claims processing Service code 12 | — | $526K |
| PROSKAUER ROSE LLP EIN 13-1840454 NONE | Legal Service code 29 | — | $518K |
| J W MAYS INC. EIN 11-1059070 NONE | Other fees Service code 99 | — | $509K |
| THE STANDARD LIFE INSURANCE COMPANY EIN 13-4119477 NONE | Insurance services; Other fees Service code 23 | — | $495K |
| AMALGAMATED LIFE INS. EIN 13-5501223 NONE | Insurance services Service code 23 | — | $470K |
| HEALTH MANAGEMENT SYSTEMS, INC. EIN 13-2770433 NONE | Other services Service code 49 | — | $460K |
| AUTOMATIC DATA PROCESSING, INC. EIN 22-1467904 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $445K |
| DEXTRO SOFTWARE SYSTEMS INC. EIN 22-3437242 NONE | Other services Service code 49 | — | $431K |
| NAVINET INC. EIN 04-3355932 NONE | Other services Service code 49 | — | $430K |
| DELPHIX CORP EIN 26-2255969 NONE | Other services Service code 49 | — | $409K |
| BIFF DUNCAN ASSOCIATES, INC EIN 36-4465318 NONE | Consulting (general) Service code 16 | — | $392K |
| BUCK CONSULTANT, LLC EIN 13-3954297 NONE | Consulting (general) Service code 16 | — | $378K |
| HILLSIDE PRINTING INC EIN 11-3177255 NONE | Copying and duplicating Service code 36 | — | $366K |
| INQUISITHEALTH EIN 41-4199033 NONE | Other services Service code 49 | — | $357K |
| BCA WATSON RICE LLP EIN 26-1726741 NONE | Accounting (including auditing) Service code 10 | — | $346K |
| CHANGE HEALTHCARE SOLUTIONS, LLC EIN 20-5716594 NONE | Claims processing Service code 12 | — | $345K |
| THE CUSTOM GROUP OF COMPANIES EIN 13-3247546 NONE | Finders' fees / placement fees Service code 61 | — | $336K |
| DELUXE DELIVERY SYSTEMS, INC EIN 13-3460676 NONE | Other services Service code 49 | — | $334K |
| SCALABLE SYSTEMS INC. EIN 20-2838091 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $322K |
| G&P REALTY CO., LLC EIN 11-3354093 NONE | Other services Service code 49 | — | $318K |
| MED TEK CONTRACTING, INC. EIN 26-2103605 NONE | Other services Service code 49 | — | $309K |
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 | 111,874 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 42,693 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 154,567 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MVP SELECT CARE | 3,180 | $789K |
| Dental(6 contracts, 3 carriers) | EMBLEM HEALTH | 95,683 | $73.8M |
| Life insurance(2 contracts, 2 carriers) | AMALGAMATED LIFE INSURANCE COMPANY | 153,414 | $11.5M |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,723 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 153,414 | — |
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.