| 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 | $83K | — | $83K | 3.06% |
| BOND BENEFITS CONSULTING LLC3 Filed as: BOND FINANCIAL NETWORK INC | 71A MONROE AVENUE PITTSFORD, NY 14534 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 3.06% |
| JENNIFER AYERS3 | 5897 S BAY RD CICERO, NY 13039 | AFLAC | $4K | $213 | $4K | 4.85% |
| AMERICU SERVICES LLC3 | 1916 BLACK RIVER BLVD ROME, NY 13440 | AFLAC | $3K | — | $3K | 3.59% |
| WILLIAM S MATHIAS3 | PO BOX 83 NEW HARTFORD, NY 13413 | AFLAC | $2K | — | $2K | 2.41% |
| JOSEPH P CALARCO3 | 13 ARTERIAL EAST PO BOX 130 AUBURN, NY 13021 | AFLAC | $1K | $35 | $1K | 1.39% |
| DAWN PELLERIN3 Filed as: DAWN M PELLERIN | 34 TAMARACK DRIVE NEW HEARTFORD, NY 13413 | AFLAC | $672 | — | $672 | 0.82% |
| EDWARD D YATES JR3 | 2063 COUNTY ROUTE 8 OSWEGO, NY 13126 | AFLAC | $578 | — | $578 | 0.71% |
| GIBIDES INC3 | 1901 CRAG BURN LN RALEIGH, NC 27604 | AFLAC | $441 | — | $441 | 0.54% |
| JEFF DALABA3 | 8500 GILLY FLOWER COURT BALDWINSVILLE, NY 13027 | AFLAC | $232 | — | $232 | 0.28% |
| BRAD JONES AND ASSOCIATES INC3 | 19 BRITISH AMERICAN BLVD LATHAM, NY 12110 | AFLAC | $111 | — | $111 | 0.14% |
| LAURA BOHANNON3 | 23 S MARVINE AVE AUBURN, NY 13021 | AFLAC | $79 | — | $79 | 0.10% |
| STEVEN E DALABA3 | 1215 PEBBLE MEADOWS DRIVE LEWISVILEE, NC 27023 | AFLAC | $56 | — | $56 | 0.07% |
| MARY FRANCES CARLTON3 | 3824 HOGAN RD VERNON CENTER, NY 13477 | AFLAC | $26 | — | $26 | 0.03% |
| KELLY A IRVINE3 | 333 GLEN STREET SUITE 201 GLENS FALLS, NY 12801 | AFLAC | $15 | — | $15 | 0.02% |
| SHEILA ANN WILSON3 Filed as: SHEILA A WILSON | 36 SHARYL DR CENTRAL SQUARE, NY 13036 | AFLAC | $14 | — | $14 | 0.02% |
| CORTLAND EDWARD CAMPAU3 | 134 BEVERLY ROAD SYRACUSE, NY 13207 | AFLAC | $9 | — | $9 | 0.01% |
| RICHARD G SHEERAN3 | 460 N FRANKLIN ST APT 402 SYRACUSE, NY 13204 | AFLAC | $8 | — | $8 | 0.01% |
| ONEGROUP NY INC3 | 706 N CLINTON ST SYRACUSE, NY 13204 | AFLAC | $7 | — | $7 | 0.01% |
| KENNETH M TRAWICK3 | 3988 US ROUTE 11 PULASKI, NY 13142 | AFLAC | $7 | — | $7 | 0.01% |
| DAVID F VAN SLYKE3 | 215 BUMP DRIVE SYRACUSE, NY 13209 | AFLAC | $7 | — | $7 | 0.01% |
| DUCK & COVER NY INC3 Filed as: DUCK AND COVER NY INC | 17 DALAMAR CT LATHAM, NY 12110 | AFLAC | $6 | — | $6 | 0.01% |
| KEVIN MURPHY3 | 11 WILLOWBROOK TERRACE CLIFTON PARK, NY 12065 | AFLAC | $6 | — | $6 | 0.01% |
| DAVID A COLLISON3 | 46 JOHNSTONE LANE GEORGETOWN, SC 29440 | AFLAC | $4 | — | $4 | 0.00% |
| RUSSELL T BARRETT3 | 10 AZALEA DR SARATOGA SPRINGS, NY 12866 | AFLAC | $3 | — | $3 | 0.00% |
| JOHN B INFERRERA3 | 174 GARNSEY ROAD PITTSFORD, NY 14534 | AFLAC | $2 | — | $2 | 0.00% |
| BOND BENEFITS CONSULTING LLC3 Filed as: BOND FINANCIAL NETWORK INC | 71A MONROE AVE PITTSFORD, NY 14534 | SUN LIFE AND HEALTH INSURANCE COMPANY US | $12K | — | $12K | 16.28% |
| BOND BENEFITS CONSULTING LLC3 Filed as: BOND FINANCIAL NETWORK INC | 71 MONROE AVE STE A PITTSFORD, NY 14534 | SUN LIFE AND HEALTH INSURANCE COMPANY | $7K | — | $7K | 10.33% |
| 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 | 221 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 222 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELUUS BLUECROSS BLUESHIELD | 223 | $2.7M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 248 | $215K |
| Vision | HM LIFE INSURANCE COMPANY OF NEW YORK | 194 | $23K |
| Life insurance | SUN LIFE AND HEALTH INSURANCE COMPANY US | 279 | $75K |
| Short-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY | 315 | $63K |
| Long-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY US | 279 | $75K |
| Prescription drug | EXCELUUS BLUECROSS BLUESHIELD | 223 | $2.7M |
| Other(2 contracts, 2 carriers) | AFLAC | 279 | $157K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 315 | — |
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.