| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INSURANCE AGENCIES INC. | 90 MAIN STREET BATAVIA, NY 14020 | EXCELLUS BLUECROSS BLUESHIELD | $23K | $0 | $23K | 7.42% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INSURANCE | 1240 BROADCASTING RD WYOMISSING, PA 19610 | DELTA DENTAL OF NEW YORK | $20K | $0 | $20K | 7.00% |
| USI INSURANCE SERVICES LLC3 | 1215 MANOR DR STE 200 MECHANICSBURG, PA 17055 | THE GUARDIAN LIFE INSURANCE COMPANY | $624 | $6K | $6K | 6.01% |
| EMERSON REID LLC3 | 167 ARCHER RD FACTORYVILLE, PA 18419 | THE GUARDIAN LIFE INSURANCE COMPANY | $5K | $0 | $5K | 4.69% |
| THE FARMINGTON COMPANY3 | 30 WATERSIDE DR FARMINGTON, CT 06034 | THE PAUL REVERE LIFE INSURANCE COMPANY | $13K | $0 | $13K | 20.78% |
| GETTYSBURG BENEFITS ADMINISTRATORS3 | PO BOX 1060 GETTYSBURG, PA 17325 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.71% |
| HELEN DIZ-HATTON3 | 4 PALMER LANE ENGLISHTOWN, NJ 07726 | THE PAUL REVERE LIFE INSURANCE COMPANY | $395 | $244 | $639 | 0.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 100 MERIDAN CENTRE BLVD ROCHESTER, NY 14618 | THE PAUL REVERE LIFE INSURANCE COMPANY | $403 | $0 | $403 | 0.62% |
| DANA SUMMERS3 | 135 BALLSTON DRIVE MOORESVILLE, NC 28117 | THE PAUL REVERE LIFE INSURANCE COMPANY | $100 | $20 | $120 | 0.19% |
| THE FARMINGTON COMPANY3 | 30 WATERSIDE DR PO BOX 527 FARMINGTON, CT 06034 | UNUM LIFE INSURANCE COMPANY | $3K | $520 | $4K | 15.56% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INSURANCE AGENCIES INC. | 90 MAIN STREET BATAVIA, NY 14020 | EYEMED VISION CARE | $4K | $0 | $4K | 100.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EXCELLUS BLUE CROSS BLUE SHIELD EIN 15-0329043 ADMIN | Claims processing Service code 12 | — | $262K |
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 | 838 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 847 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEW YORK | 509 | $279K |
| Vision | EYEMED VISION CARE | 736 | $4K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY | 838 | $104K |
| Stop-loss / reinsurancereinsurance | EXCELLUS BLUECROSS BLUESHIELD | 464 | $310K |
| Other(2 contracts, 2 carriers) | THE PAUL REVERE LIFE INSURANCE COMPANY | 122 | $88K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 838 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.