| 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 | EXCELLUS BLUECROSS BLUESHIELD | $83K | — | $83K | 3.08% |
| BOND BENEFITS CONSULTING LLC3 Filed as: BOND FINANCIAL NETWORK INC | 71A MONROE AVENUE SUITE A PITTSFORD, NY 14534 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $10K | $13K | 6.45% |
| BOND BENEFITS CONSULTING LLC3 Filed as: BOND FINANCIAL NETWORK INC | 71A MONROE AVE PITTSFORD, NY 14534 | SUN LIFE AND HEALTH INSURANCE COMPANY US | $13K | — | $13K | 15.05% |
| BOND BENEFITS CONSULTING LLC3 Filed as: BOND FINANCIAL NETWORK INC | 71 MONROE AVE STE A PITTSFORD, NY 14534 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $7K | — | $7K | 9.40% |
| AMERICU SERVICES LLC3 | 1916 BLACK RIVER BLVD ROME, NY 13440 | AFLAC | $2K | — | $2K | 3.50% |
| EDWARD D YATES JR3 Filed as: EDWARD YATES JR | 2063 COUNTY ROUTE 8 OSWEGO, NY 13126 | AFLAC | $2K | $20 | $2K | 3.42% |
| JENNIFER DICK3 | 10 VERPLANCK LN COHOES, NY 12047 | AFLAC | $924 | $176 | $1K | 2.46% |
| WILLIAM S MATHIAS3 Filed as: WILLIAM MATHIAS | PO BOX 83 NEW HARTFORD, NY 13413 | AFLAC | $958 | — | $958 | 2.14% |
| JOSEPH P CALARCO3 Filed as: JOSEPH CALARCO | 63 GENESEE ST STE 2 PO BOX 130 AUBURN, NY 13021 | AFLAC | $628 | $35 | $663 | 1.48% |
| DAWN PELLERIN3 | 34 TAMARACK DR NEW HARTFORD, NY 13413 | AFLAC | $376 | — | $376 | 0.84% |
| GIBIDES INC3 | 1901 CRAG BURN LN RALEIGH, NC 27604 | AFLAC | $228 | — | $228 | 0.51% |
| LAURA BOHANNON3 | 23 S MARVINE AVE AUBURN, NY 13021 | AFLAC | $159 | $2 | $161 | 0.36% |
| JEFF DALABA3 | 8500 GILLY FLOWER COURT BALDWINSVILLE, NY 13027 | AFLAC | $111 | — | $111 | 0.25% |
| BRAD JONES AND ASSOCIATES INC3 | 19 BRITISH AMERICAN BLVD LATHAM, NY 12110 | AFLAC | $57 | — | $57 | 0.13% |
| STEVEN DALABA3 | 405 CRAVER POINTE DR CLEMMONS, NC 27012 | AFLAC | $54 | — | $54 | 0.12% |
| CORTLAND CAMPAU3 | 708 CRAWFORD AVE SYRACUSE, NY 13224 | AFLAC | $28 | — | $28 | 0.06% |
| KELLY A IRVINE3 Filed as: KELLY IRVINE | 20620 EAST GOLDEN ELM DR ESTERO, FL 33928 | AFLAC | $26 | — | $26 | 0.06% |
| KEVIN MURPHY3 | 11 WILLOWBROOK TERRACE CLIFTON PARK, NY 12066 | AFLAC | $11 | — | $11 | 0.02% |
| DUCK & COVER NY INC3 | 17 DALAMAR CT LATHAM, NY 12110 | AFLAC | $10 | — | $10 | 0.02% |
| SHEILA ANN WILSON3 Filed as: SHEILA WILSON | 36 SHARYL DR CENTRAL SQUARE, NY 13036 | AFLAC | $7 | — | $7 | 0.02% |
| RUSSELL T BARRETT3 Filed as: RUSSELL BARRET | 10 AZALEA DR SARATOGA SPRINGS, NY 12866 | AFLAC | $5 | — | $5 | 0.01% |
| JOHN B INFERRERA3 Filed as: JOHN INFERRERA | 174 GARNSEY ROAD PITTSFORD, NY 14534 | AFLAC | $5 | — | $5 | 0.01% |
| DAVID F VAN SLYKE3 Filed as: DAVID VAN SLYKE | 215 BUMP DRIVE SYRACUSE, NY 13209 | AFLAC | $5 | — | $5 | 0.01% |
| KENNETH M TRAWICK3 Filed as: KENNETH TRAWICK | 3988 US ROUTE 11 PULASKI, NY 13142 | AFLAC | $4 | — | $4 | 0.01% |
| BOND BENEFITS CONSULTING LLC3 Filed as: BOND FINANCIAL NETWORK | 71 A MONROE AVENUE PITTSFORD, NY 14534 | HM LIFE INSURANCE COMPANY OF NEW YORK | $3K | — | $3K | 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 | 249 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 252 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUECROSS BLUESHIELD | 224 | $2.7M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 259 | $209K |
| Vision | HM LIFE INSURANCE COMPANY OF NEW YORK | 211 | $25K |
| Life insurance | SUN LIFE AND HEALTH INSURANCE COMPANY US | 283 | $84K |
| Short-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 317 | $70K |
| Long-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY US | 283 | $84K |
| Prescription drug | EXCELLUS BLUECROSS BLUESHIELD | 224 | $2.7M |
| Other(2 contracts, 2 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY US | 283 | $128K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 317 | — |
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.