| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BOND BENEFITS CONSULTING LLC3 Filed as: BOND FINANCIAL NETWORK INC | 71A MONROE AVE PITTSFORD, NY 14534 | EXCELUUS BLUECROSS BLUESHIELD | $78K | — | $78K | 3.32% |
| BOND BENEFITS CONSULTING LLC3 Filed as: BOND FINANCIAL NETWORK INC | 71A MONROE AVE PITTSFORD, NY 14534 | EXCELLUS BLUECROSS BLUESHIELD | $9K | — | $9K | 4.82% |
| JENNIFER AYERS3 | 5897 S BAY RD CICERO, NY 13039 | AFLAC | $4K | $243 | $4K | 4.95% |
| AMERICU SERVICES LLC3 | 1916 BLACK RIVER BLVD ROME, NY 13440 | AFLAC | $3K | — | $3K | 3.33% |
| WILLIAM S MATHIAS3 | 3 LEONARD PL APT 2 ALBANY, NY 12202 | AFLAC | $2K | — | $2K | 2.33% |
| JOSEPH P CALARCO3 | 13 ARTERIAL EAST PO BOX 130 AUBURN, NY 13021 | AFLAC | $1K | $40 | $1K | 1.33% |
| DAWN PELLERIN3 Filed as: DAWN M PELLERIN | 34 TAMARACK DRIVE NEW HEARTFORD, NY 13413 | AFLAC | $713 | — | $713 | 0.89% |
| GIBIDES INC3 | 1901 CRAG BURN LN RALEIGH, NC 27604 | AFLAC | $545 | — | $545 | 0.68% |
| JEFF DALABA3 | 8500 GILLY FLOWER COURT BALDWINSVILLE, NY 13027 | AFLAC | $224 | — | $224 | 0.28% |
| BRAD JONES AND ASSOCIATES INC3 | 19 BRITISH AMERICAN BLVD LATHAM, NY 12110 | AFLAC | $154 | $40 | $194 | 0.24% |
| STEVEN E DALABA3 | 1215 PEBBLE MEADOWS DRIVE LEWIAVILLE, NC 27023 | AFLAC | $37 | — | $37 | 0.05% |
| MARY FRANCES CARLTON3 | 3824 HOGAN RD VERNON CENTER, NY 13477 | AFLAC | $26 | — | $26 | 0.03% |
| RICHARD G SHEERAN3 | 460 N FRANKLIN ST APT 402 SYRACUSE, NY 13204 | AFLAC | $15 | — | $15 | 0.02% |
| DAVID A COLLISON3 | 46 JOHNSTONE LANE GEORGETOWN, SC 29440 | AFLAC | $8 | — | $8 | 0.01% |
| ONEGROUP NY INC3 | 706 N CLINTON ST SYRACUSE, NY 13204 | AFLAC | $7 | — | $7 | 0.01% |
| DAVID F VAN SLYKE3 | 215 BUMP DRIVE SYRACUSE, NY 13209 | AFLAC | $7 | — | $7 | 0.01% |
| BOND BENEFITS CONSULTING LLC3 Filed as: BOND FINANCIAL NETWORK INC | 71A MONROE AVE PITTSFORD, NY 14534 | SUN LIFE AND HEALTH INSURANCE COMPANY US | $10K | — | $10K | 16.10% |
| BOND BENEFITS CONSULTING LLC3 Filed as: BOND FINANCIAL NETWORK INC | 71 MONROE AVE STE A PITTSFORD, NY 14534 | SUN LIFE AND HEALTH INSURANCE COMPANY | $6K | — | $6K | 10.28% |
| BOND BENEFITS CONSULTING LLC3 Filed as: BOND FINANCIAL NETWORK | 71 A MONROE AVENUE PITTSFORD, NY 14534 | HM LIFE INSURANCE COMPANY OF NEW YORK | $2K | — | $2K | 10.00% |
No Schedule C service providers reported on this filing.
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 | 295 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 299 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELUUS BLUECROSS BLUESHIELD | 215 | $2.3M |
| Dental | EXCELLUS BLUECROSS BLUESHIELD | 234 | $188K |
| Vision | HM LIFE INSURANCE COMPANY OF NEW YORK | 178 | $21K |
| Life insurance | SUN LIFE AND HEALTH INSURANCE COMPANY US | 245 | $63K |
| Short-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY | 295 | $58K |
| Long-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY US | 245 | $63K |
| Prescription drug | EXCELUUS BLUECROSS BLUESHIELD | 215 | $2.3M |
| Other(2 contracts, 2 carriers) | AFLAC | 245 | $144K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 295 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.