The HO purchased the package from Lowes that comes with the standard transfer switch and not the service entrace switch. Therefore I will need to put in a 200amp disconnect before the switch. The bond will be made in the disconnect and everything else will be seperated downstream.

I worded it wrong in my previous post. When I said separate my grounds and neutral at the disconnect I meant they would be bonded there and go out separate after that to the switch and panel.