| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NORTHEAST LLC | BOND BENEFITS CONSULTING 71A MONROE AVENUE PITTSFORD, NY 14534 | MVP HEALTHCARE | $25K | $0 | $25K | 4.52% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NORTHEAST LLC | 71A MONROE AVENUE PITTSFORD, NY 14534 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $704 | $4K | 8.03% |
| BOND BENEFITS CONSULTING LLC3 | 71 MONROE AVE STE A PITTSFORD, NY 14534 | MUTUAL OF OMAHA INSURANCE COMPANY | $3K | $2K | $5K | 17.48% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NORTHEAST, LLC | 445 HAMILTON AVE FL 10 WHITE PLAINS, NY 10601 | MUTUAL OF OMAHA INSURANCE COMPANY | $105 | $0 | $105 | 0.37% |
| BOND BENEFITS CONSULTING LLC3 | 71 MONROE AVE STE A PITTSFORD, NY 14534 | MUTUAL OF OMAHA INSURANCE COMPANY | $2K | $1K | $4K | 15.19% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NORTHEAST, LLC | 445 HAMILTON AVE FL 10 WHITE PLAINS, NY 10601 | MUTUAL OF OMAHA INSURANCE COMPANY | $164 | $0 | $164 | 0.64% |
| BOND BENEFITS CONSULTING LLC3 Filed as: BOND BENEFITS CONSULTING | 71 MONROE AVENUE STE A PITTSFORD, NY 14534 | COMPANION LIFE INSURANCE COMPANY | $316 | $195 | $511 | 14.99% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NORTHEAST, LLC | 445 HAMILTON AVE FL 10 WHITE PLAINS, NY 10601 | COMPANION LIFE INSURANCE COMPANY | $24 | $0 | $24 | 0.70% |
| BOND BENEFITS CONSULTING LLC3 | 71 MONROE AVE STE A PITTSFORD, NY 14534 | MUTUAL OF OMAHA INSURANCE COMPANY | $41 | $25 | $66 | 14.83% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NORTHEAST, LLC | 445 HAMILTON AVE FL 10 WHITE PLAINS, NY 10601 | MUTUAL OF OMAHA INSURANCE COMPANY | $3 | $0 | $3 | 0.67% |
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 | 118 | 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) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MVP HEALTHCARE | 82 | $556K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 64 | $45K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 64 | $45K |
| Life insurance(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 118 | $4K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 71 | $26K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 118 | $28K |
| Other | MUTUAL OF OMAHA INSURANCE COMPANY | 118 | $445 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 118 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.