| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK, INC. | 45 EAST AVENUE #700 ROCHESTER, NY 14604 | EXCELLUS BLUE CROSS BLUE SHIELD | $21K | — | $21K | 4.52% |
| BOND BENEFITS CONSULTING LLC3 | 71-A MONROE AVE PITTSFORD, NY 14534 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $2K | $4K | 14.07% |
| ALLIANCE ADVISORY GRP INC3 Filed as: ALLIANCE ADVISORY GROUP INC. | 350 ESSJAY ROAD SUITE 301 WILLIAMSVILLE, NY 14221 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $45 | — | $45 | 0.15% |
| BOND BENEFITS CONSULTING LLC3 | 71A MONROE AVENUE PITTSFORD, NY 14534 | COMPANION LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| BOND BENEFITS CONSULTING LLC3 | 71-A MONROE AVE PITTSFORD, NY 14534 | MVP HEALTH CARE | $900 | — | $900 | 4.06% |
| BOND BENEFITS CONSULTING LLC3 | 71A MONROE AVENUE PITTSFORD, NY 14534 | MUTUAL OF OMAHA INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| BOND BENEFITS CONSULTING LLC3 | 71-A MONROE AVE PITTSFORD, NY 14534 | EXCELLUS BLUE CROSS BLUE SHIELD | $906 | — | $906 | 12.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN, INC. | 45 EAST AVE ROCHESTER, NY 14604 | VISION SERVICE PLAN | $93 | — | $93 | 2.35% |
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 | 107 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | EXCELLUS BLUE CROSS BLUE SHIELD | 54 | $483K |
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 56 | $38K |
| Vision | VISION SERVICE PLAN | 54 | $4K |
| Life insurance | COMPANION LIFE INSURANCE COMPANY | 107 | $28K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 101 | $13K |
| Prescription drug | EXCELLUS BLUE CROSS BLUE SHIELD | 54 | $460K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 107 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.