| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT LINK LLC3 Filed as: BENEFIT LINK, LLC | 2152 RIDGEWAY AVENUE ROCHESTER, NY 14626 | EXCELLUS BLUE CROSS BLUE SHIELD | $49K | — | $49K | 1.65% |
| BOND BENEFITS CONSULTING LLC3 | 71A MONROE AVENUE PITTSFORD, NY 14534 | EXCELLUS BLUE CROSS BLUE SHIELD | $37K | — | $37K | 1.24% |
| BENEFIT LINK LLC3 Filed as: BENEFIT LINK, LLC | 2152 RIDGEWAY AVENUE ROCHESTER, NY 14626 | EXCELLUS BLUE CROSS BLUE SHIELD | $8K | — | $8K | 3.13% |
| BOND BENEFITS CONSULTING LLC3 | 71A MONROE AVENUE PITTSFORD, NY 14534 | EXCELLUS BLUE CROSS BLUE SHIELD | $2K | — | $2K | 0.97% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FINANCIAL SVCS | 1133 WESTCHESTER AVE STE S229 WHITE PLAINS, NY 10604 | MUTUAL OF OMAHA INSURANCE COMPANY | $4K | $6K | $10K | 11.76% |
| BOND BENEFITS CONSULTING LLC3 | 71A MONROE AVENUE PITTSFORD, NY 14534 | MUTUAL OF OMAHA INSURANCE COMPANY | $3K | — | $3K | 4.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FINANCIAL SVCS | 1133 WESTCHESTER AVE STE S229 WHITE PLAINS, NY 10604 | COMPANION LIFE INSURANCE COMPANY | $9K | $6K | $15K | 21.02% |
| BOND BENEFITS CONSULTING LLC3 | 71A MONROE AVENUE PITTSFORD, NY 14534 | COMPANION LIFE INSURANCE COMPANY | $8K | — | $8K | 11.86% |
| BENEFIT LINK LLC3 Filed as: BENEFIT LINK, LLC | 2152 RIDGEWAY AVENUE ROCHESTER, NY 14626 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $504 | — | $504 | 2.60% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FNCL SVCS | 12404 PARK CENTRAL DR STE 400S DALLAS, TX 75251 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $504 | $504 | 2.60% |
| BOND BENEFITS CONSULTING LLC3 | 71A MONROE AVENUE PITTSFORD, NY 14534 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $467 | — | $467 | 2.40% |
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 | 318 | 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) | 318 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUE CROSS BLUE SHIELD | 290 | $3.0M |
| Dental | EXCELLUS BLUE CROSS BLUE SHIELD | 286 | $252K |
| Vision | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 178 | $19K |
| Life insurance | COMPANION LIFE INSURANCE COMPANY | 145 | $71K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 318 | $85K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 318 | $85K |
| Prescription drug | EXCELLUS BLUE CROSS BLUE SHIELD | 290 | $3.0M |
| Other | MUTUAL OF OMAHA INSURANCE COMPANY | 318 | $85K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 318 | — |
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.