| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NORTHWEST INSURANCE SERVICES3 | 800 STATE STREET, SUITE 500 ERIE, PA 16501 | INDEPENDENT HEALTH | — | $50K | $50K | 1.15% |
| BOND BENEFITS CONSULTING LLC3 Filed as: BOND FINANCIAL NETWORK INC | 71A MONROE AVENUE PITTSFORD, NY 14534 | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | $20K | — | $20K | 11.25% |
| CARRIE A FAHEY3 | 4549 MAIN STREET SUITE 202 SNYDER, NY 14226 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $6K | — | $6K | 4.38% |
| BOND BENEFITS CONSULTING LLC3 Filed as: BOND FINANCIAL NETWORK INC | 71 MONROE AVE SUITE A PITTSFORD, NY 14534 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $3K | — | $3K | 2.29% |
| ROBERT F FAHEY3 | 40 BERNHARDT DR SNYDER, NY 14226 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $214 | — | $214 | 0.15% |
| PLANNED BENEFITS INC3 | 73 REDDING ROAD, PO BOX 11 GEORGETOWN, CT 06829 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $8 | — | $8 | 0.01% |
| BOND BENEFITS CONSULTING LLC3 Filed as: BOND FINACIAL NETWORK | 71 MONROE AVE SUITE A PITTSFORD, NY 14534 | LINCOLN LIFE & ANNUNITY COMPANY OF NEW YORK | $5K | $3K | $9K | 8.10% |
| CARRIE A FAHEY3 | 4549 MAIN STREET SUITE 202 SNYDER, NY 14226 | LINCOLN LIFE & ANNUNITY COMPANY OF NEW YORK | $8K | — | $8K | 7.36% |
| ROBERT F FAHEY3 | 40 BERNHARDT DR SNYDER, NY 14226 | LINCOLN LIFE & ANNUNITY COMPANY OF NEW YORK | $3K | — | $3K | 2.54% |
| BOND BENEFITS CONSULTING LLC3 Filed as: BOND FINACIAL NETWORK | 71 MONROE AVE SUITE A PITTSFORD, NY 14534 | LINCOLN LIFE & ANNUNITY COMPANY OF NEW YORK | $2K | $1K | $3K | 8.10% |
| CARRIE A FAHEY3 | 4549 MAIN STREET SUITE 202 SNYDER, NY 14226 | LINCOLN LIFE & ANNUNITY COMPANY OF NEW YORK | $3K | — | $3K | 7.38% |
| ROBERT F FAHEY3 | 40 BERNHARDT DR SNYDER, NY 14226 | LINCOLN LIFE & ANNUNITY COMPANY OF NEW YORK | $1K | — | $1K | 2.52% |
| CARRIE A FAHEY3 | 4549 MAIN STREET SUITE 202 SNYDER, NY 14226 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $3K | — | $3K | 7.38% |
| BOND BENEFITS CONSULTING LLC3 Filed as: BOND FINACIAL NETWORK, INC. | 71 MONROE AVE SUITE A PITTSFORD, NY 14534 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $1K | — | $1K | 3.17% |
| ROBERT F FAHEY3 | 40 BERNHARDT DR SNYDER, NY 14226 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $1K | — | $1K | 2.94% |
| CARRIE A FAHEY3 | 4549 MAIN STREET SUITE 202 SNYDER, NY 14226 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1K | — | $1K | 4.11% |
| ROBERT F FAHEY3 Filed as: ROBERT F FAHEY JR | 40 BERNHARDT DR SNYDER, NY 14226 | THE PAUL REVERE LIFE INSURANCE COMPANY | $390 | — | $390 | 1.38% |
| BOND BENEFITS CONSULTING LLC3 Filed as: BOND FINANCIAL NETWORK INC | 71 MONROE AVE SUITE A PITTSFORD, NY 14534 | THE PAUL REVERE LIFE INSURANCE COMPANY | $381 | — | $381 | 1.35% |
| SIGNATOR INSURANCE AGENCY INC3 | 19 CLARENDON SUITE C 8-8 BOSTON, MA 02116 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $143 | — | $143 | 2.34% |
| BUFLIFE AGENCY INC3 | 300 CORPORATE PKWY SUITE 200N AMHERST, NY 14226 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $135 | — | $135 | 2.21% |
| DESMON & KOHNSTAMM INC3 | 247 CAYUGA ROAD SUITE 100 BUFFALO, NY 14225 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $113 | — | $113 | 1.85% |
| JOHN T BARTON CLU & ASSOCIATES3 | 3 WOODPOINTE RUN WILLIAMSVILLE, NY 14534 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $113 | — | $113 | 1.85% |
| SPECIFIC SOLUTIONS INC3 | 475 INTERNATIONAL DR WILLIAMSVILLE, NY 142215772 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $113 | — | $113 | 1.85% |
| HARRY E JACOBS3 | 4001 LEGION DRIVE HAMBURG, NY 14075 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $17 | — | $17 | 0.28% |
| BOND BENEFITS CONSULTING LLC3 Filed as: BOND FINANCIAL NETWORK INC | 71 MONROE AVE SUITE A PITTSFORD, NY 14534 | HARTFORD LIFE & ACCIDENT INSURANCE COMPANY | $473 | — | $473 | 10.00% |
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 | 501 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 510 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENT HEALTH | 917 | $4.4M |
| Life insurance | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | 1,141 | $175K |
| Short-term disability | LINCOLN LIFE & ANNUNITY COMPANY OF NEW YORK | 175 | $105K |
| Long-term disability(7 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | 1,141 | $542K |
| Other | HARTFORD LIFE & ACCIDENT INSURANCE COMPANY | 138 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,141 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.