| 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 | $33K | $0 | $33K | 7.86% |
| TRUVERIS, INC3 Filed as: TRUVERIS, INC. | 3 BEAVER VALLEY RD STE 103 WILMINGTON, DE 19803 | EXCELLUS BLUECROSS BLUESHIELD | $11K | $0 | $11K | 2.66% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INS AGENCIES, INC | 90 MAIN ST BATAVIA, NY 14020 | THE GUARDIAN LIFE INSURANCE COMPANY | $5K | $0 | $5K | 1.59% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INSURANCE | 1240 BROADCASTING RD WYOMISSING, PA 19610 | DELTA DENTAL OF NEW YORK | $17K | $0 | $17K | 7.00% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INSURANCE AGENCIES INC. | 90 MAIN STREET BATAVIA, NY 14020 | EYEMED VISION CARE | $3K | $0 | $3K | 9.13% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 30 WATERSIDE DR FARMINGTON, CT 06034 | THE PAUL REVERE LIFE INSURANCE COMPANY | $27K | $0 | $27K | 296.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 100 MERIDIAN CENTRE BLVD ROCHESTER, NY 14618 | THE PAUL REVERE LIFE INSURANCE COMPANY | $858 | $0 | $858 | 9.49% |
| ENROLLMENT SOLUTIONS LTD3 | 65 BURBANK RD SUTTON, MA 01590 | THE PAUL REVERE LIFE INSURANCE COMPANY | $439 | $10 | $449 | 4.97% |
| GETTYSBURG BENEFITS ADMINISTRATORS3 | PO BOX 1060 GETTYSBURG, PA 17325 | THE PAUL REVERE LIFE INSURANCE COMPANY | $182 | $0 | $182 | 2.01% |
| DORIANNE WALKAMA3 | 112 EAGLE ST NEWBURYPORT, MA 01950 | THE PAUL REVERE LIFE INSURANCE COMPANY | $10 | $0 | $10 | 0.11% |
| DANA SUMMERS3 | 259 OVERLAND TRL HAYS, NC 28635 | THE PAUL REVERE LIFE INSURANCE COMPANY | $10 | $0 | $10 | 0.11% |
| ANDREW THOMAS CABRERA3 | 56 SUMMIT CT WESTFIELD, NJ 07090 | THE PAUL REVERE LIFE INSURANCE COMPANY | $7 | $0 | $7 | 0.08% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC | 30 WATERSIDE DR PO BOX 527 FARMINGTON, CT 06034 | UNUM LIFE INSURANCE COMPANY | $31 | $0 | $31 | 2.47% |
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 | 619 | 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) | 628 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEW YORK | 857 | $247K |
| Vision | EYEMED VISION CARE | 619 | $32K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY | 584 | $346K |
| Stop-loss / reinsurancereinsurance | EXCELLUS BLUECROSS BLUESHIELD | 541 | $424K |
| Other(2 contracts, 2 carriers) | THE PAUL REVERE LIFE INSURANCE COMPANY | 106 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 857 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.