| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BOND BENEFITS CONSULTING LLC3 | 71A MONROE AVE PITTSFORD, NY 14534 | EXCELLUS BLUE CROSS BLUE SHIELD | $65K | — | $65K | 3.49% |
| BOND BENEFITS CONSULTING LLC3 | 71 MONROE AVE, STE A PITTSFORD, NY 14534 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 2.75% |
| ERICK BOND3 | 71 MONROE AVE, STE A PITTSFORD, NY 14534 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 1.60% |
| BOND BENEFITS CONSULTING LLC3 Filed as: BOND FINANCIAL NETWORK INC | 71 MONROE AVE, STE A PITTSFORD, NY 14534 | METROPOLITAN LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| BOND BENEFITS CONSULTING LLC3 | 71 MONROE AVE, STE A PITTSFORD, NY 14534 | GUARDIAN LIFE INSURANCE CO. OF AMERICA | $7K | — | $7K | 14.40% |
| ALLIANCE ADVISORY GRP INC3 | 600 DELAWARE AVENUE BUFFALO, NY 14202 | GUARDIAN LIFE INSURANCE CO. OF AMERICA | $37 | — | $37 | 0.07% |
| BOND BENEFITS CONSULTING LLC3 | 71 MONROE AVE, STE A PITTSFORD, NY 14534 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $5K | — | $5K | 9.98% |
| BOND BENEFITS CONSULTING LLC3 | 71 MONROE AVE, STE A PITTSFORD, NY 14534 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $4K | — | $4K | 15.57% |
| BOND BENEFITS CONSULTING LLC3 Filed as: BOND, ERICK G | 71 MONROE AVE, STE A PITTSFORD, NY 14534 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $2K | — | $2K | 10.40% |
| BOND BENEFITS CONSULTING LLC3 | 71 MONROE AVE, STE A PITTSFORD, NY 14534 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $1K | — | $1K | 5.36% |
| BOND BENEFITS CONSULTING LLC3 | 71 MONROE AVE, STE A PITTSFORD, NY 14534 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $3K | — | $3K | 12.62% |
| BOND BENEFITS CONSULTING LLC3 | 71 MONROE AVE, STE A PITTSFORD, NY 14534 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $634 | — | $634 | 3.75% |
| BOND BENEFITS CONSULTING LLC3 | 71 MONROE AVE, STE A PITTSFORD, NY 14534 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $324 | — | $324 | 12.61% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NY INC | 45 EAST AVE 7TH FL ROCHESTER, NY 14604 | HARTFORD LIFE INSURANCE CO. | $241 | — | $241 | 15.01% |
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 | 385 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 385 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUE CROSS BLUE SHIELD | 183 | $1.9M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 327 | $131K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 327 | $131K |
| Life insurance | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 263 | $22K |
| Short-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 263 | $49K |
| Long-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 263 | $25K |
| Prescription drug | EXCELLUS BLUE CROSS BLUE SHIELD | 183 | $1.9M |
| Other(5 contracts, 3 carriers) | GUARDIAN LIFE INSURANCE CO. OF AMERICA | 300 | $95K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 327 | — |
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.