| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BOND BENEFITS CONSULTING LLC3 Filed as: BOND FINANCIAL NETWORK | 71-A MONROE AVE PITTSFORD, NY 14534 | EXCELLUS BLUECROSS BLUESHIELD | $79K | — | $79K | 2.98% |
| BOND BENEFITS CONSULTING LLC3 Filed as: BOND FINANCIAL GROUP | 71-A MONROE AVE PITTSFORD, NY 14534 | EXCELLUS BLUECROSS BLUESHIELD | $11K | — | $11K | 3.83% |
| BOND BENEFITS CONSULTING LLC3 Filed as: BOND FINANCIAL NETWORK | 71-A MONROE AVE PITTSFORD, NY 14534 | SUN LIFE AND HEALTH INSURANCE COMPANY | $4K | — | $4K | 11.92% |
| BOND BENEFITS CONSULTING LLC3 Filed as: BOND FINANCIAL NETWORK | 71-A MONROE AVE PITTSFORD, NY 14534 | HM LIFE INSURANCE COMPANY OF NEW YORK | $4K | — | $4K | 10.00% |
| KEVIN EDWARDS3 | 8332 MOYER CARRIAGE CICERO, NY 13039 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1K | $864 | $2K | 8.80% |
| KIMBERLY ANN CHISMARK3 Filed as: KIMBERLY ANN CHISMARCK | 101 CLARK RD FAYETTEVILLE, NY 13066 | THE PAUL REVERE LIFE INSURANCE COMPANY | $857 | — | $857 | 3.74% |
| ANTHONY MATRONE3 | 4797 ROUTE 31 CLAY, NY 13041 | THE PAUL REVERE LIFE INSURANCE COMPANY | $257 | $316 | $573 | 2.50% |
| TRISHA TYMINSKI3 | PO BOX 439 CONSTANTIA, NY 13044 | THE PAUL REVERE LIFE INSURANCE COMPANY | $193 | $21 | $214 | 0.93% |
| KEVIN EDWARDS3 | 8332 MOYER CARRIAGE CICERO, NY 13039 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1K | $864 | $2K | 9.57% |
| KIMBERLY ANN CHISMARK3 | 101 CLARK RD. FAYETTEVILLE, NY 13066 | THE PAUL REVERE LIFE INSURANCE COMPANY | $791 | — | $791 | 3.83% |
| ANTHONY MATRONE3 | 4797 ROUTE 31 CLAY, NY 13041 | THE PAUL REVERE LIFE INSURANCE COMPANY | $267 | $337 | $604 | 2.92% |
| TRISHA TYMINSKI3 | PO BOX 439 CONSTANTIA, NY 13044 | THE PAUL REVERE LIFE INSURANCE COMPANY | $147 | $17 | $164 | 0.79% |
| VALERIE CELI3 | 6530 LAKESHORE RD. CICERO, NY 13039 | THE PAUL REVERE LIFE INSURANCE COMPANY | $3 | $4 | $7 | 0.03% |
| BOND BENEFITS CONSULTING LLC3 Filed as: BOND FINANCIAL NETWORK | 71-A MONROE AVE PITTSFORD, NY 14534 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $2K | $545 | $2K | 13.08% |
| BOND BENEFITS CONSULTING LLC3 Filed as: BOND FINANCIAL NETWORK, INC. | 71-A MONROE AVE PITTSFORD, NY 14534 | SUN LIFE AND HEALTH INSURANCE COMPANY | $2K | — | $2K | 21.05% |
| ERICK BOND3 | 71-A MONROE AVE PITTSFORD, NY 14534 | SUN LIFE AND HEALTH INSURANCE COMPANY | $633 | — | $633 | 7.81% |
| ANTHONY MATRONE3 | 4797 ROUTE 31 CLAY, NY 13041 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $405 | $8K | $8K | 107.52% |
| KEVIN EDWARDS3 | 8332 MOYER CARRIAGE CICERO, NY 13039 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $152 | $2K | $2K | 27.26% |
| MEAGAN M MARTIN3 | 6151 DIFFIN ROAD CICERO, NY 13039 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $88 | $614 | $702 | 9.36% |
| KIMBERLY ANN CHISMARK3 | 101 CLAY RD FAYETTEVILLE, NY 13066 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $393 | — | $393 | 5.24% |
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 | 553 | 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) | 553 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUECROSS BLUESHIELD | 334 | $2.7M |
| Dental | EXCELLUS BLUECROSS BLUESHIELD | 322 | $290K |
| Vision | HM LIFE INSURANCE COMPANY OF NEW YORK | 237 | $37K |
| Short-term disability(2 contracts, 2 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY | 553 | $55K |
| Other(4 contracts, 3 carriers) | THE PAUL REVERE LIFE INSURANCE COMPANY | 510 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 553 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.