| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BOND BENEFITS CONSULTING LLC3 Filed as: BOND BENEFIT CONSULTING, LLC | 71A MONROE AVE. PITTSFORD, NY 14534 | EXCELLUS BLUECROSS BLUESHIELD | $75K | — | $75K | 2.73% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G. RELPH AGENCY INC. | SUITE 400 400 WILLOWBROOK OFFICE PARK FAIPORT, NY 14450 | EXCELLUS BLUECROSS BLUESHIELD | $5K | — | $5K | 0.18% |
| BOND BENEFITS CONSULTING LLC3 Filed as: BOND FINANCIAL NETWORK, INC | — | EXCELLUS BLUECROSS BLUESHIELD | $9K | — | $9K | 4.81% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G. RELPH AGENCY, INC | 400 WILLOWBROOK OFFICE PARK SUITE 400 FAIRPORT, NY 14450 | EXCELLUS BLUECROSS BLUESHIELD | $295 | — | $295 | 0.17% |
| BOND BENEFITS CONSULTING LLC3 Filed as: BOND FINANCIAL NETWORK INC | 71 MONROE AVE SUITE A PITTSFORD, NY 14534 | MUTUAL OF OMAHA INSURANCE COMPANY | $3K | $2K | $5K | 9.20% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY INC | 400 WILLOWBROOK OFFICE PARK SUITE 400 FAIRPORT, NY 14450 | MUTUAL OF OMAHA INSURANCE COMPANY | $2K | — | $2K | 2.84% |
| BOND BENEFITS CONSULTING LLC3 Filed as: BOND FINANCIAL NETWORK INC | 71 MONROE AVE SUITE A PITTSFORD, NY 14534 | COMPANION LIFE INSURANCE COMPANY | $3K | $1K | $4K | 10.87% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY INC | 400 WILLOWBROOK OFFICE PARK SUITE 400 FAIRPORT, NY 14450 | COMPANION LIFE INSURANCE COMPANY | $726 | — | $726 | 2.09% |
| BOND BENEFITS CONSULTING LLC3 Filed as: BOND FINANCIAL NETWORK | 71 MONROE AVE SUITE A PITTSFORD, NY 14534 | HM LIFE INSURANCE COMPANY OF NEW YORK | $2K | — | $2K | 7.73% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY | 400 WILLOWBROOK OFFICE PARK SUITE 400 FAIRPORT, NY 14450 | HM LIFE INSURANCE COMPANY OF NEW YORK | $539 | — | $539 | 2.27% |
| BOND BENEFITS CONSULTING LLC3 Filed as: BOND FINANCIAL NETWORK INC | 71 MONROE AVE SUITE A PITTSFORD, NY 14534 | MUTUAL OF OMAHA INSURANCE COMPANY | $308 | $150 | $458 | 11.15% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY INC | 400 WILLOWBROOK OFFICE PARK SUITE 400 FAIRPORT, NY 14450 | MUTUAL OF OMAHA INSURANCE COMPANY | $103 | — | $103 | 2.51% |
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 | 281 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 281 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUECROSS BLUESHIELD | 281 | $2.7M |
| Dental | EXCELLUS BLUECROSS BLUESHIELD | 275 | $177K |
| Vision | HM LIFE INSURANCE COMPANY OF NEW YORK | 215 | $24K |
| Life insurance | COMPANION LIFE INSURANCE COMPANY | 296 | $35K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 325 | $55K |
| Other | MUTUAL OF OMAHA INSURANCE COMPANY | 297 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 325 | — |
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.