| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BOND BENEFITS CONSULTING LLC3 Filed as: BOND FINANCIAL NETWORK, INC. | 71A MONROE AVENUE PITTSFORD, NY 14534 | MVP HEALTH CARE | $52K | — | $52K | 4.73% |
| BOND BENEFITS CONSULTING LLC3 Filed as: BOND FINANCIAL NETWORK, INC. | 71 MONROE AVE STE A PITTSFORD, NY 14534 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $3K | $459 | $4K | 7.03% |
| BOND BENEFITS CONSULTING LLC3 Filed as: BOND FINANCIAL NETWORK | 71 MONROE AVE, STE A PITTSFORD, NY 14534 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 9.15% |
| BOND BENEFITS CONSULTING LLC3 Filed as: BOND FINANCIAL NETWORK | 71 A MONROE AVE PITTSFORD, NY 14534 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $4K | $300 | $4K | 12.26% |
| BOND BENEFITS CONSULTING LLC3 Filed as: BOND FINANCIAL NETWORK | 71 A MONROE AVE PITTSFORD, NY 14534 | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $2K | — | $2K | 10.01% |
| BOND BENEFITS CONSULTING LLC3 Filed as: BOND FINANCIAL NETWORK, INC. | 71A MONROE AVE PITTSFORD, NY 14534 | EXCELLUS BLUECROSS BLUESHIELD | — | — | $0 | — |
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 | 414 | 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) | 414 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MVP HEALTH CARE | 248 | $1.1M |
| Dental | EXCELLUS BLUECROSS BLUESHIELD | 200 | $0 |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | 242 | $17K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 414 | $46K |
| Short-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 346 | $51K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 346 | $36K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 414 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 414 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.