| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NORTHWEST INSURANCE SERVICES3 | 800 STATE STREET, SUITE 500 ERIE, PA 16501 | INDEPENDENT HEALTH | — | $38K | $38K | 0.79% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY BENEFITS GROUP | 361 DELAWARE AVENUE BUFFALO, NY 14202 | INDEPENDENT HEALTH | — | $15K | $15K | 0.32% |
| CARRIE A FAHEY3 | 4549 MAIN STREET SUITE 202 SNYDER, NY 14226 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $5K | — | $5K | 4.09% |
| BOND BENEFITS CONSULTING LLC3 Filed as: BOND FINANCIAL NETWORK INC | 71 MONROE AVE SUITE A PITTSFORD, NY 14534 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $2K | $1K | $3K | 2.81% |
| ROBERT F FAHEY3 | 40 BERNHARDT DR SNYDER, NY 14226 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $191 | — | $191 | 0.15% |
| PLANNED BENEFITS INC3 | 73 REDDING ROAD, PO BOX 11 GEORGETOWN, CT 06829 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $8 | — | $8 | 0.01% |
| CARRIE A FAHEY3 | 4549 MAIN STREET SUITE 202 SNYDER, NY 14226 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $11K | — | $11K | 9.90% |
| BOND BENEFITS CONSULTING LLC3 Filed as: BOND FINANCIAL NETWORK INC | 71 MONROE AVE SUITE A PITTSFORD, NY 14534 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $6K | $4K | $10K | 8.56% |
| BOND BENEFITS CONSULTING LLC3 Filed as: BOND FINANCIAL NETWORK INC | 71A MONROE AVENUE PITTSFORD, NY 14534 | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | $6K | — | $6K | 9.97% |
| CARRIE A FAHEY3 | 4549 MAIN STREET SUITE 202 SNYDER, NY 14226 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $4K | — | $4K | 8.38% |
| BOND BENEFITS CONSULTING LLC3 Filed as: BOND FINANCIAL NETWORK INC | 71 MONROE AVE SUITE A PITTSFORD, NY 14534 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $2K | — | $2K | 3.05% |
| ROBERT F FAHEY3 | 40 BERNHARDT DR SNYDER, NY 14226 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $272 | — | $272 | 0.51% |
| CARRIE A FAHEY3 | 4549 MAIN STREET SUITE 202 SNYDER, NY 14226 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $4K | — | $4K | 9.90% |
| BOND BENEFITS CONSULTING LLC3 Filed as: BOND FINANCIAL NETWORK INC | 71 MONROE AVE SUITE A PITTSFORD, NY 14534 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $2K | $1K | $4K | 8.61% |
| CARRIE A FAHEY3 | 4549 MAIN STREET SUITE 202 SNYDER, NY 14226 | THE PAUL REVERE LIFE INSURANCE COMPANY | $927 | — | $927 | 4.22% |
| ROBERT F FAHEY3 Filed as: ROBERT F FAHEY JR. | 40 BERNHARDT DR SNYDER, NY 14226 | THE PAUL REVERE LIFE INSURANCE COMPANY | $312 | — | $312 | 1.42% |
| BOND BENEFITS CONSULTING LLC3 Filed as: BOND FINANCIAL NETWORK INC | 71 MONROE AVE SUITE A PITTSFORD, NY 14534 | THE PAUL REVERE LIFE INSURANCE COMPANY | $269 | — | $269 | 1.22% |
| SIGNATOR INSURANCE AGENCY INC3 | 197 CLARENDON ST C 8-8 BOSTON, MA 02116 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $143 | — | $143 | 2.49% |
| BUFLIFE AGENCY INC3 | 300 CORPORATE PKWY SUITE 200N AMHERST, NY 14226 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $128 | — | $128 | 2.23% |
| DESMON & KOHNSTAMM INC3 | 247 CAYUGA ROAD SUITE 100 BUFFALO, NY 14225 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $107 | — | $107 | 1.87% |
| JOHN T BARTON CLU & ASSOCIATES3 | 3 WOODPOINTE RUN WILLIAMSVILLE, NY 142215772 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $107 | — | $107 | 1.87% |
| SPECIFIC SOLUTIONS INC3 | 475 INTERNATIONAL DR WILLIAMSVILLE, NY 142215772 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $107 | — | $107 | 1.87% |
| HARRY E JACOBS3 | 4001 LEGION DRIVE HAMBURG, NY 14075 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $17 | — | $17 | 0.30% |
| BOND BENEFITS CONSULTING LLC3 Filed as: BOND FINANCIAL NETWORK INC | 71 MONROE AVE SUITE A PITTSFORD, NY 14534 | HARTFORD LIFE & ACCIDENT INSURANCE COMPANY | $486 | — | $486 | 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 | 521 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 22 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 543 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | INDEPENDENT HEALTH | 955 | $4.8M |
| Life insurance | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | 1,099 | $62K |
| Short-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 185 | $115K |
| Long-term disability(6 contracts, 3 carriers) | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | 185 | $361K |
| Other | HARTFORD LIFE & ACCIDENT INSURANCE COMPANY | 136 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,099 | — |
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.