| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BOND BENEFITS CONSULTING LLC3 | 71 MONROE AVE SUITE A PITTSFORD, NY 14534 | EXCELLUS BLUECROSS BLUESHIELD | $23K | — | $23K | 4.05% |
| USI INSURANCE SERVICES LLC3 | 777 CANAL VIEW BLVD. SUITE 100 ROCHESTER, NY 14623 | EXCELLUS BLUECROSS BLUESHIELD | $4K | — | $4K | 0.69% |
| BOND BENEFITS CONSULTING LLC3 | 71 MONROE AVE SUITE A PITTSFORD, NY 14534 | COMPANION LIFE INSURANCE COMPANY | $8K | $3K | $11K | 16.49% |
| BOND BENEFITS CONSULTING LLC3 Filed as: BOND FINANCIAL NETWORK, INC. | 71 MONROE AVENUE SUITE A PITTSFORD, NY 14534 | MUTUAL OF OMAHA INSURANCE COMPANY | $6K | $3K | $9K | 15.71% |
| BOND BENEFITS CONSULTING LLC3 Filed as: BOND BENEFITS CONSULTING | 71 MONROE AVE SUITE A PITTSFORD, NY 14534 | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $1K | — | $1K | 9.88% |
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 | 150 | 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) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUECROSS BLUESHIELD | 103 | $557K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | 129 | $10K |
| Life insurance | COMPANION LIFE INSURANCE COMPANY | 212 | $68K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 150 | $56K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 150 | $56K |
| Prescription drug | EXCELLUS BLUECROSS BLUESHIELD | 103 | $557K |
| Other(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 212 | $124K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 212 | — |
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.