| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TOMPKINS INSURANCE AGENCIES3 | 90 MAIN ST BATAVIA, NY 14020 | INDEPENDENT HEALTH BENEFITS CORPORATION | $22K | $0 | $22K | 3.73% |
| TOMPKINS INS AGENCY3 | 90 MAIN ST BATAVIA, NY 14020 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 10.54% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC | 1933 STATE RT 35 STE 368 WALL, ND 07719 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $1K | $1K | 5.27% |
| TOMPKINS INS AGENCY3 | 90 MAIN ST BATAVIA, NY 14020 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | $189 | $2K | 11.24% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC | 1933 STATE RT 35 STE 368 WALL, NJ 07719 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | $755 | $755 | 5.00% |
| TOMPKINS INS AGENCY3 | 90 MAIN ST BATAVIA, NY 14020 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | $134 | $2K | 16.25% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC | 1933 STATE RT 35 STE 368 WALL, NJ 07719 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | $535 | $535 | 5.00% |
| TOMPKINS INS AGENCY3 | 90 MAIN ST BATAVIA, NY 14020 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | $105 | $1K | 16.24% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC | 1933 STATE RT 35 STE 368 WALL, NJ 07719 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | $421 | $421 | 5.00% |
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 | 93 | 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) | 93 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENT HEALTH BENEFITS CORPORATION | 51 | $600K |
| Dental | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 44 | $27K |
| Vision | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 44 | $27K |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 93 | $15K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 9 | $8K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 9 | $8K |
| Other(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 93 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 93 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.