| 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 | AETNA LIFE INSURANCE CO. | $27K | — | $27K | 1.96% |
| LAWLEY BENEFITS GROUP LLC3 | 361 DELAWARE AVENUE BUFFALO, NY 14202 | AETNA LIFE INSURANCE CO. | $14K | — | $14K | 1.05% |
| LAWLEY BENEFITS GROUP LLC3 | 361 DELAWARE AVENUE BUFFALO, NY 14202 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $6K | — | $6K | 4.53% |
| BOND BENEFITS CONSULTING LLC3 Filed as: BOND FINANCIAL NETWORK INC | 71A MONROE AVE PITTSFORD, NY 14534 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $3K | — | $3K | 2.70% |
| ALISHA K ROBINSON3 Filed as: ALISHA K. ROBINSON | PO BOX 272 OLD FORGE, NY 13420 | AFLAC | $4K | $413 | $4K | 8.35% |
| THOMAS H HIGGINS3 Filed as: THOMAS H. HIGGINS | 6819 PITTSFORD PALMYRA ROAD FAIRPORT, NY 14450 | AFLAC | $4K | — | $4K | 7.11% |
| DEBRA PARKER3 Filed as: DEBRA M. PARKER | 20 BOWEN ST AUBURN, NY 13021 | AFLAC | $647 | $65 | $712 | 1.41% |
| BRENDAN MCCARTHY AND CREW INC3 | 333 METRO PARK SUITE S 108 ROCHESTER, NY 14623 | AFLAC | $632 | — | $632 | 1.25% |
| TERESA STRONG3 | PO BOX 52 MACEDON, NY 14502 | AFLAC | $556 | $65 | $621 | 1.23% |
| DAWN PELLERIN3 Filed as: DAWN M PELLERIN | 34 TAMARACK DRIVE NEW HARTFORD, NY 13413 | AFLAC | $615 | — | $615 | 1.22% |
| JOSEPH P CALARCO3 | 13 ARTERIAL EAST PO BOX 130 AUBURN, NY 13021 | AFLAC | $567 | — | $567 | 1.12% |
| BRAD JONES AND ASSOCIATES INC3 | 19 BRITISH AMERICAN BLVD LATHAM, NY 12110 | AFLAC | $161 | $65 | $226 | 0.45% |
| DAVID A COLLISON3 | 46 JOHNSTON LANE GEORGETOWN, SC 29440 | AFLAC | $150 | — | $150 | 0.30% |
| JEFF DALABA3 | 8500 GILLY FLOWER COURT BALDWINSVILLE, NY 13027 | AFLAC | $93 | — | $93 | 0.18% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 117 W LIBERTY ST PO BOX 231 ROME, NY 13442 | AFLAC | $79 | — | $79 | 0.16% |
| LAWLEY BENEFITS GROUP LLC3 | 361 DELAWARE AVE BUFFALO, NY 14202 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $2K | — | $2K | 5.76% |
| BOND BENEFITS CONSULTING LLC3 Filed as: BOND FINANCIAL NETWORK | 71 A MONROE AVE PITTSFORD, NY 14534 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $931 | $406 | $1K | 4.27% |
| BOND BENEFITS CONSULTING LLC3 Filed as: BOND FINANCIAL NETWORK | 71 A MONROE AVE PITTSFORD, NY 14534 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $2K | $1K | $3K | 11.16% |
| LAWLEY BENEFITS GROUP LLC3 | 361 DELAWARE AVE BUFFALO, NY 14202 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $2K | — | $2K | 6.13% |
| EMPLOYEE BENEFITS LLC3 Filed as: EMPLOYEE SERVICES, INC. | 55 CHAMBERLAIN STREET WELLSVILLE, NY 14895 | ESI GROUP | — | $6K | $6K | — |
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 | 220 | 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) | 220 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 299 | $1.4M |
| Dental | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 191 | $125K |
| Life insurance | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 191 | $125K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 190 | $27K |
| Other(4 contracts, 4 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 199 | $206K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 299 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.