| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 777 CANAL VIEW BLVD STE 100 ROCHESTER, NY 14623 | EXCELLUS BLUE CROSS BLUE SHIELD | $24K | — | $24K | 4.14% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | COMPANION LIFE INSURANCE COMPANY | $3K | — | $3K | 9.20% |
| BOND BENEFITS CONSULTING LLC3 | 71 MONROE AVE. STE A PITTSFORD, NY 14534 | COMPANION LIFE INSURANCE COMPANY | $0 | $1K | $1K | 4.14% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 SUITE A VIRGINIA BEACH, VA 23466 | COMPANION LIFE INSURANCE COMPANY | $5K | — | $5K | 14.18% |
| BOND BENEFITS CONSULTING LLC3 | 71 MONROE AVE. STE A PITTSFORD, NY 14534 | COMPANION LIFE INSURANCE COMPANY | $0 | $2K | $2K | 4.49% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | MUTUAL OF OMAHA INSURANCE COMPANY | $4K | — | $4K | 10.79% |
| BOND BENEFITS CONSULTING LLC3 | 71 MONROE AVE. STE A PITTSFORD, NY 14534 | MUTUAL OF OMAHA INSURANCE COMPANY | $0 | $1K | $1K | 4.32% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | MUTUAL OF OMAHA INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| BOND BENEFITS CONSULTING LLC3 | 71 MONROE AVE. STE A PITTSFORD, NY 14534 | MUTUAL OF OMAHA INSURANCE COMPANY | $0 | $915 | $915 | 3.94% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62937 VIRGINIA BEACH, VA 23466 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $652 | — | $652 | 5.62% |
| USI INSURANCE SERVICES LLC3 | 777 CANAL VIEW BLVD STE 100 ROCHESTER, NY 14623 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $552 | — | $552 | 4.76% |
| BOND BENEFITS CONSULTING LLC3 Filed as: BOND BENEFITS CONSULTING | 71 MONROE AVE. STE A PITTSFORD, NY 14534 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $32 | — | $32 | 0.28% |
| USI INSURANCE SERVICES LLC3 | 777 CANAL VIEW BLVD STE 100 ROCHESTER, NY 14623 | EXCELLUS BLUE CROSS BLUE SHIELD | $275 | — | $275 | 2.58% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | MUTUAL OF OMAHA INSURANCE COMPANY | $310 | — | $310 | 9.99% |
| BOND BENEFITS CONSULTING LLC3 | 71 MONROE AVE. STE A PITTSFORD, NY 14534 | MUTUAL OF OMAHA INSURANCE COMPANY | $0 | $129 | $129 | 4.16% |
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 | 172 | 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) | 172 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | EXCELLUS BLUE CROSS BLUE SHIELD | 105 | $589K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 138 | $12K |
| Life insurance(3 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 166 | $74K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 91 | $23K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 80 | $35K |
| Prescription drug(2 contracts) | EXCELLUS BLUE CROSS BLUE SHIELD | 105 | $589K |
| Other | MUTUAL OF OMAHA INSURANCE COMPANY | 166 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 166 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.