| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BOND BENEFITS CONSULTING LLC3 | 71A MONROE AVE PITTSFORD, NY 14534 | EXCELLUS BLUE CROSS BLUE SHIELD | $80K | — | $80K | 3.17% |
| BOND BENEFITS CONSULTING LLC3 | 71 MONROE AVENUE SUITE A PITTSFORD, NY 14534 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $10K | $15K | 6.17% |
| BOND BENEFITS CONSULTING LLC3 | 71 MONROE AVE STE A PITTSFORD, NY 14534 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $3K | — | $3K | 2.98% |
| 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.) | $2K | — | $2K | 1.76% |
| BOND BENEFITS CONSULTING LLC3 Filed as: BOND BENEFITS CONSULTING | 71 MONROE AVE STE A PITTSFORD, NY 14534 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $9K | — | $9K | 9.59% |
| BOND BENEFITS CONSULTING LLC3 Filed as: BOND FINANCIAL NETWORK | 71 MONROE AVE STE A PITTSFORD, NY 14534 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $4K | — | $4K | 4.70% |
| BOND BENEFITS CONSULTING LLC3 | 71 MONROE AVE STE A PITTSFORD, NY 14534 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $3K | $459 | $4K | 11.32% |
| 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.) | — | $1K | $1K | 4.23% |
| BOND BENEFITS CONSULTING LLC3 | 71 MONROE AVENUE STE A 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 | 224 | 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) | 227 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUE CROSS BLUE SHIELD | 233 | $2.5M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 266 | $247K |
| Vision | HM LIFE INSURANCE COMPANY OF NEW YORK | 209 | $29K |
| Life insurance | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 291 | $91K |
| Short-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 332 | $103K |
| Long-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 291 | $91K |
| Prescription drug | EXCELLUS BLUE CROSS BLUE SHIELD | 233 | $2.5M |
| Other(3 contracts) | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 332 | $229K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 332 | — |
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."
No prospect flags tripped on this filing.