| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NORTHEAST LLC | BOND BENEFITS 71A MONROE AVENUE PITTSFORD, NY 14534 | EXCELLUS BLUE CROSS BLUE SHIELD | $32K | — | $32K | 2.05% |
| BOND BENEFITS CONSULTING LLC3 | 71A MONROE AVENUE PITTSFORD, NY 14534 | EXCELLUS BLUE CROSS BLUE SHIELD | $29K | — | $29K | 1.89% |
| BOND BENEFITS CONSULTING LLC3 | 71A MONROE AVE PITTSFORD, NY 14534 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 2.19% |
| ERICK BOND3 | 71A MONROE AVENUE PITTSFORD, NY 14534 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 1.35% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NORTHEAST LLC | C/O BOND BENEFITS CONSULTING PITTSFORD, NY 14534 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $17 | $2K | 1.25% |
| BOND BENEFITS CONSULTING LLC3 | 71A MONROE AVENUE PITTSFORD, NY 14534 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $4K | $2K | $6K | 6.80% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NORTHEAST LLC | C/O BOND BENEFITS CONSULTING 71A MONROE AVENUE PITTSFORD, NY 14534 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $4K | $2K | $6K | 6.59% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NORTHEAST LLC | C/O BOND BENEFITS CONSULTING 71A MONROE AVENUE PITTSFORD, NY 14534 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 14.40% |
| ALLIANCE ADVISORY GRP INC3 Filed as: ALLIANCE ADVISORY GROUP, INC. | 600 DELAWARE AVENUE BUFFALO, NY 14202 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $20 | — | $20 | 0.05% |
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 | 279 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 285 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUE CROSS BLUE SHIELD | 146 | $1.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 279 | $129K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 279 | $129K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 59 | $37K |
| Short-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 259 | $86K |
| Long-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 259 | $86K |
| Prescription drug | EXCELLUS BLUE CROSS BLUE SHIELD | 146 | $1.5M |
| Other | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 259 | $86K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 279 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.