| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ERICK BOND3 Filed as: ERICK G BOND | 71A MONROE AVENUE PITTSFORD, NY 14534 | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | $12K | — | $12K | 8.55% |
| BOND BENEFITS CONSULTING LLC3 | 71A MONROE AVENUE, SUITE A PITTSFORD, NY 14534 | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $475 | $7K | 5.04% |
| BOND BENEFITS CONSULTING LLC3 | 71 MONROE AVE, STE A PITTSFORD, NY 14534 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $19K | $4K | $23K | 18.00% |
| CARRIE A FAHEY3 | 5500 MAIN ST STE 260 WILLIAMSVILLE, NY 14221 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $3K | — | $3K | 3.15% |
| BOND BENEFITS CONSULTING LLC3 Filed as: BOND FINANCIAL NETWORK INC | 71 MONROE AVE PITTSFORD, NY 14534 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $1K | — | $1K | 1.23% |
| ROBERT F FAHEY3 | 40 BERNHARDT DR SNYDER, NY 14226 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $117 | — | $117 | 0.11% |
| PLANNED BENEFITS INC3 | 73 REDDING ROAD, PO BOX 11 GEORGETOWN, CT 06829 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $7 | — | $7 | 0.01% |
| CARRIE A FAHEY3 | 5500 MAIN ST STE 260 WILLIAMSVILLE, NY 14221 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $6K | — | $6K | 6.48% |
| 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 | 2.15% |
| ROBERT F FAHEY | 89 BELVOIR WILLIAMSVILLE, NY 14221 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $397 | — | $397 | 0.44% |
| ROBERT F FAHEY3 | 5680 MAIN STREET WILLIAMSVILLE, NY 14221 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $117 | — | $117 | 0.13% |
| BOND BENEFITS CONSULTING LLC3 | 71 A MONROE AVE, SUITE A PITTSFORD, NY 14534 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $8K | $2K | $10K | 18.00% |
| CARRIE A FAHEY3 | 5500 MAIN ST STE 260 WILLIAMSVILLE, NY 14221 | THE PAUL REVERE LIFE INSURANCE COMPANY | $310 | — | $310 | 1.92% |
| ROBERT F FAHEY3 Filed as: ROBERT F FAHEY JR. | 40 BERNHARDT DR SNYDER, NY 14226 | THE PAUL REVERE LIFE INSURANCE COMPANY | $210 | — | $210 | 1.30% |
| BOND BENEFITS CONSULTING LLC3 Filed as: BOND FINANCIAL NETWORK INC | 71 MONROE AVE PITTSFORD, NY 14534 | THE PAUL REVERE LIFE INSURANCE COMPANY | $203 | — | $203 | 1.26% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: NEW ENGLAND LIFE INS CO | 11225 NORTH COMMUNITY HOUSE RD CHARLOTTE, NC 28277 | THE PAUL REVERE LIFE INSURANCE COMPANY | $36 | — | $36 | 0.22% |
| MJB FINANCIAL SERVICES INC3 | 75 MAPLE RD WILLIAMSVILLE, NY 14221 | THE PAUL REVERE LIFE INSURANCE COMPANY | $26 | — | $26 | 0.16% |
| SIGNATOR INSURANCE AGENCY INC3 | 197 CLARENDON ST C 8-8 BOSTON, MA 02116 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $143 | — | $143 | 3.00% |
| BUFLIFE AGENCY INC3 | 300 CORPORATE PKWY SUITE 200N AMHERST, NY 14226 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $95 | — | $95 | 1.99% |
| DESMON & KOHNSTAMM INC3 | 3635 GENESEE STREET, STE 200 BUFFALO, NY 14225 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $79 | — | $79 | 1.66% |
| JOHN T BARTON CLU & ASSOCIATES3 | 3 WOODPOINTE RUN WILLIAMSVILLE, NY 142215772 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $79 | — | $79 | 1.66% |
| SPECIFIC SOLUTIONS INC3 | 475 INTERNATIONAL DR WILLIAMSVILLE, NY 142215772 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $79 | — | $79 | 1.66% |
| HARRY E JACOBS3 | 4001 LEGION DRIVE HAMBURG, NY 14075 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $17 | — | $17 | 0.36% |
| BOND BENEFITS CONSULTING LLC4 Filed as: BOND FINANCIAL NETWORK INC | 71 MONROE AVE, SUITE A PITTSFORD, NY 14534 | HARTFORD LIFE & ACCIDENT INSURANCE COMPANY | $419 | $11 | $430 | 10.27% |
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 | 656 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 20 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 676 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | INDEPENDENT HEALTH | 489 | $5.6M |
| Life insurance | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | 192 | $135K |
| Short-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 183 | $126K |
| Long-term disability(7 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | 192 | $532K |
| Other(2 contracts) | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | 192 | $139K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 489 | — |
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.