| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BOND BENEFITS CONSULTING LLC Filed as: BOND FINANACIAL NETWORK, INC. | 71A MONROE AVE PITTSFORD, NY 14534 | EXCELLUS BLUECROSS BLUESHIELD | $45K | — | $45K | 4.19% |
| BOND BENEFITS CONSULTING LLC3 Filed as: BOND FINANACIAL NETWORK, INC. | 71A MONROE AVE PITTSFORD, NY 14534 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $3K | $2K | $5K | 7.26% |
| BOND BENEFITS CONSULTING LLC3 Filed as: BOND FINANACIAL NETWORK, INC. | 71A MONROE AVE PITTSFORD, NY 14534 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $4K | $958 | $5K | 18.47% |
| BOND BENEFITS CONSULTING LLC3 Filed as: BOND FINANACIAL NETWORK, INC. | 71A MONROE AVE PITTSFORD, NY 14534 | MUTUAL OF OMAHA INSURANCE COMPANY | $3K | — | $3K | 13.67% |
| BOND BENEFITS CONSULTING LLC3 Filed as: BOND FINANACIAL NETWORK, INC. | 71A MONROE AVE PITTSFORD, NY 14534 | MUTUAL OF OMAHA INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| BOND BENEFITS CONSULTING LLC3 Filed as: BOND FINANACIAL NETWORK, INC. | 71A MONROE AVE PITTSFORD, NY 14534 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $1K | $368 | $2K | 15.42% |
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 | 139 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUECROSS BLUESHIELD | 129 | $1.1M |
| Dental | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 128 | $74K |
| Life insurance(2 contracts) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 139 | $38K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 74 | $18K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 100 | $20K |
| Prescription drug | EXCELLUS BLUECROSS BLUESHIELD | 129 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 139 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
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.