| 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 | MVP HEALTH CARE | $53K | — | $53K | 4.92% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC. | 45 EAST AVE ROCHESTER, NY 14604 | MVP HEALTH CARE | $5K | — | $5K | 0.46% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK, INC. | 45 EAST AVE #700 ROCHESTER, NY 14604 | EXCELLUS BLUECROSS BLUESHIELD | $334 | — | $334 | 0.35% |
| BOND BENEFITS CONSULTING LLC3 Filed as: BOND FINANCIAL NETWORK | 71 A MONROE AVE PITTSFORD, NY 14534 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $2K | — | $2K | 5.68% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC. | 45 EAST AVE ROCHESTER, NY 14604 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $372 | — | $372 | 0.86% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 220 S. RIDGEWOOD AVE #500 DAYTONA BEACH, FL 32114 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $292 | $292 | 0.67% |
| BOND BENEFITS CONSULTING LLC3 Filed as: BOND FINANCIAL NETWORK, INC. | 71 MONROE AVE STE A PITTSFORD, NY 14534 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 6.93% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC. | 45 EAST AVE ROCHESTER, NY 14604 | METROPOLITAN LIFE INSURANCE COMPANY | $532 | — | $532 | 1.26% |
| ROWLANDS AND BARRANCA AGENCY3 Filed as: ROWLANDS & BARRANCA AG | 6 TOWER PLACE ALBANY, NY 12203 | METROPOLITAN LIFE INSURANCE COMPANY | — | $168 | $168 | 0.40% |
| BOND BENEFITS CONSULTING LLC3 Filed as: BOND FINANCIAL NETWORK | 71 A MONROE AVE PITTSFORD, NY 14534 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $3K | — | $3K | 9.51% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC. | 45 EAST AVE ROCHESTER, NY 14604 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $717 | — | $717 | 2.45% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL | 220 S. RIDGEWOOD AVE #500 DAYTONA BEACH, FL 32114 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $195 | $195 | 0.67% |
| BOND BENEFITS CONSULTING LLC3 Filed as: BOND FINANCIAL NETWORK | 71 MONROE AVE, STE A PITTSFORD, NY 14534 | EYEMED VISION CARE | $797 | — | $797 | 5.60% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN | 45 EAST AVE, 8TH FLOOR ROCHESTER, NY 14607 | EYEMED VISION CARE | $750 | — | $750 | 5.27% |
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 | 376 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 376 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MVP HEALTH CARE | 231 | $1.1M |
| Dental | EXCELLUS BLUECROSS BLUESHIELD | 189 | $95K |
| Vision | EYEMED VISION CARE | 206 | $14K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 376 | $42K |
| Short-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 331 | $43K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 331 | $29K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 376 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 376 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.