| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BOND BENEFITS CONSULTING LLC3 Filed as: BOND FINANCIAL NETWORK, INC. | 71-A MONROE AVE PITTSFORD, NY 14534 | EXCELLUS BLUE CROSS BLUE SHIELD | $99K | — | $99K | 3.40% |
| BOND BENEFITS CONSULTING LLC3 Filed as: BOND FINANCIAL NETWORK | 71-A MONROE AVE PITTSFORD, NY 14534 | EXCELLUS BLUECROSS BLUESHIELD | $12K | — | $12K | 3.94% |
| CADARET GRANT AGENCY INC.3 | 1 LINCOLN CTR 5TH FL 110 W FAYETTE ST SYRACUSE, NY 13202 | FIRST UNUM LIFE INSURANCE COMPANY | $16K | — | $16K | 9.03% |
| BOND BENEFITS CONSULTING LLC3 Filed as: BOND FINANCIAL NETWORK, INC. | 71A MONROE AVENUE PITTSFORD, NY 14534 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $3K | $5K | $8K | 10.35% |
| BOND BENEFITS CONSULTING LLC3 Filed as: BOND FINANCIAL NETWORK | 71-A MONROE AVE PITTSFORD, NY 14534 | HM LIFE INSURANCE COMPANY OF NEW YORK | $3K | — | $3K | 10.00% |
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 | 477 | 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) | 477 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUE CROSS BLUE SHIELD | 332 | $2.9M |
| Dental | EXCELLUS BLUECROSS BLUESHIELD | 327 | $297K |
| Vision | HM LIFE INSURANCE COMPANY OF NEW YORK | 233 | $34K |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 344 | $179K |
| Short-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 477 | $77K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 344 | $179K |
| Other | FIRST UNUM LIFE INSURANCE COMPANY | 344 | $179K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 477 | — |
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."
No prospect flags tripped on this filing.