| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BOND BENEFITS CONSULTING LLC3 | 71-A MONROE AVE PITTSFORD, NY 14534 | EXCELLUS BLUE CROSS BLUE SHIELD | $91K | — | $91K | 3.24% |
| BOND BENEFITS CONSULTING LLC3 | 71-A MONROE AVE PITTSFORD, NY 14534 | EXCELLUS BLUECROSS BLUESHIELD | $11K | — | $11K | 3.78% |
| BOND BENEFITS CONSULTING LLC3 | 71A MONROE AVENUE PITTSFORD, NY 14534 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $16K | — | $16K | 10.62% |
| LOFTUS, SONNET3 | 6320 FLY ROAD STE 213 EAST SYRACUSE, NY 13057 | FIRST UNUM LIFE INSURANCE COMPANY | $10K | — | $10K | 11.96% |
| BOND BENEFITS CONSULTING LLC3 | 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 | 395 | 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) | 395 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUE CROSS BLUE SHIELD | 283 | $2.8M |
| Dental | EXCELLUS BLUECROSS BLUESHIELD | 271 | $302K |
| Vision | HM LIFE INSURANCE COMPANY OF NEW YORK | 244 | $35K |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 395 | $81K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 393 | $149K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 393 | $149K |
| Prescription drug | EXCELLUS BLUE CROSS BLUE SHIELD | 283 | $2.8M |
| Other | FIRST UNUM LIFE INSURANCE COMPANY | 395 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 395 | — |
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.