| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BOND BENEFITS CONSULTING LLC3 Filed as: BOND FINANCIAL NETWORK INC. | 71 MONROE AVE STE A PITTSFORD, NY 14534 | EXCELLUS BLUE CROSS BLUE SHIELD | $80K | — | $80K | 3.40% |
| BOND BENEFITS CONSULTING LLC3 Filed as: BOND FINANCIAL NETWORK INC. | 71 MONROE AVE STE A PITTSFORD, NY 14534 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 2.47% |
| ERICK BOND3 | 71 MONROE AVE STE A PITTSFORD, NY 14534 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 0.64% |
| BOND BENEFITS CONSULTING LLC3 Filed as: BOND FINANCIAL NETWORK INC. | 71 MONROE AVE STE A PITTSFORD, NY 14534 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $6K | — | $6K | 10.92% |
| BOND BENEFITS CONSULTING LLC3 Filed as: BOND FINANCIAL NETWORK INC. | 71 MONROE AVE STE A PITTSFORD, NY 14534 | GUARDIAN LIFE INSURANCE COMPANY | $8K | — | $8K | 14.40% |
| ERICK BOND3 | 71 MONROE AVE, STE A PITTSFORD, NY 14534 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $3K | — | $3K | 9.69% |
| BOND BENEFITS CONSULTING LLC3 Filed as: BOND FINANCIAL NETWORK INC. | 71 MONROE AVE, STE A PITTSFORD, NY 14534 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $3K | — | $3K | 8.47% |
| BOND BENEFITS CONSULTING LLC3 Filed as: BOND FINANCIAL NETWORK INC. | 71 MONROE AVE STE A PITTSFORD, NY 14534 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $5K | — | $5K | 16.33% |
| BOND BENEFITS CONSULTING LLC3 Filed as: BOND FINANCIAL NETWORK INC. | 71 MONROE AVE STE A PITTSFORD, NY 14534 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $2K | — | $2K | 16.00% |
| BOND BENEFITS CONSULTING LLC3 Filed as: BOND FINANCIAL NETWORK INC. | 71 MONROE AVE STE A PITTSFORD, NY 14534 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $292 | — | $292 | 15.99% |
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 | 373 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 373 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUE CROSS BLUE SHIELD | 266 | $2.3M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 373 | $199K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 373 | $199K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY | 336 | $64K |
| Short-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 336 | $54K |
| Long-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 336 | $30K |
| Prescription drug | EXCELLUS BLUE CROSS BLUE SHIELD | 266 | $2.3M |
| Other(2 contracts) | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 955 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 955 | — |
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.