| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BOND BENEFITS CONSULTING LLC | 71 MONROE AVE SUITE A PITTSFORD, NY 14534 | MVP HEALTH CARE | $57K | — | $57K | 4.20% |
| BOND BENEFITS CONSULTING LLC | 71 MONROE AVE SUITE A PITTSFORD, NY 14534 | GUARDIAN | $3K | $5K | $9K | 9.60% |
| BOND BENEFITS CONSULTING LLC3 Filed as: BOND FINANCIAL NETWORK INC | 71 MONROE AVE SUITE A PITTSFORD, NY 14534 | COMPANION LIFE INSURANCE COMPANY | $3K | $642 | $3K | 12.33% |
| BOND BENEFITS CONSULTING LLC3 Filed as: BOND FINANCIAL NETWORK INC | 71 MONROE AVE SUITE A PITTSFORD, NY 14534 | MUTUAL OF OMAHA INSURANCE COMPANY | $2K | $929 | $3K | 14.81% |
| BOND BENEFITS CONSULTING LLC3 Filed as: BOND FINANCIAL NETWORK INC | 71 MONROE AVE SUITE A PITTSFORD, NY 14534 | MUTUAL OF OMAHA INSURANCE COMPANY | $3K | $916 | $3K | 19.13% |
| BOND BENEFITS CONSULTING LLC3 Filed as: BOND FINANCIAL NETWORK INC | 71 MONROE AVE SUITE A PITTSFORD, NY 14534 | COMPANION LIFE INSURANCE COMPANY | $999 | $228 | $1K | 12.29% |
| BOND BENEFITS CONSULTING LLC3 Filed as: BOND FINANCIAL NETWORK INC | 71 MONROE AVE SUITE A PITTSFORD, NY 14534 | MUTUAL OF OMAHA INSURANCE COMPANY | $154 | $35 | $189 | 12.30% |
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 | 136 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MVP HEALTH CARE | 261 | $1.4M |
| Dental | GUARDIAN | 113 | $92K |
| Life insurance(3 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 136 | $39K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 7,101,020 | $19K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 89 | $18K |
| Prescription drug | MVP HEALTH CARE | 261 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,101,020 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.