| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SBR SERVICES LLC3 | 2839 PACES FERRY RD SE STE 830 ATLANTA, GA 30339 | SYMETRA LIFE INSURANCE COMPANY | $0 | $7K | $7K | 0.89% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INS AGENCIES, INC | 90 MAIN ST BATAVIA, NY 14020 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 2.54% |
| USI INSURANCE SERVICES LLC3 | P.O. BOX 62686 VIRGINA BEACH, VA 23466 | STANDARD INSURANCE COMPANY | $105 | $0 | $105 | 0.12% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INS AGENCIES, INC | 90 MAIN ST BATAVIA, NY 14020 | STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 6.18% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INS AGENCIES, INC | 90 MAIN ST BATAVIA, NY 14020 | STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 12.99% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INS AGENCIES, INC | 90 MAIN ST BATAVIA, NY 14020 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 9.39% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INS AGENCIES, INC | 90 MAIN ST BATAVIA, NY 14020 | STANDARD INSURANCE COMPANY | $130 | $0 | $130 | 2.49% |
| USI INSURANCE SERVICES LLC3 | P.O. BOX 62689 VIRGINA BEACH, VA 23466 | STANDARD INSURANCE COMPANY | $6 | $0 | $6 | 0.12% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTH PLAN, INC ADMIN | Claims processing Service code 12 | 15503 W HARDY RD HOUSTON, TX 77060 | $0 |
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 | 151 | 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) | 151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | STANDARD INSURANCE COMPANY | 132 | $94K |
| Life insurance | STANDARD INSURANCE COMPANY | 94 | $56K |
| Short-term disability | STANDARD INSURANCE COMPANY | 151 | $19K |
| Long-term disability | STANDARD INSURANCE COMPANY | 113 | $25K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 139 | $771K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 151 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.