| 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 | 3.78% |
| TOMPKINS INS AGENCY3 | 90 MAIN ST BATAVIA, NY 14020 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | $174 | $2K | 11.25% |
| 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 | $697 | $697 | 5.00% |
| TOMPKINS INS AGENCY | 90 MAIN ST BATAVIA, NY 14020 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | — | $0 | — |
| THE JAMES B OSWALD COMPANY Filed as: JAMES R NELLIGAN & ASSOC | 1933 STATE RT 35 STE 368 WALL, ND 07719 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | — | $0 | — |
| TOMPKINS INS AGENCY | 90 MAIN ST BATAVIA, NY 14020 | FIRST UNUM LIFE INSURANCE COMPANY | — | — | $0 | — |
| THE JAMES B OSWALD COMPANY Filed as: JAMES R NELLIGAN & ASSOC | 1933 STATE RT 35 STE 368 WALL, NJ 07719 | FIRST UNUM LIFE INSURANCE COMPANY | — | — | $0 | — |
| TOMPKINS INS AGENCY | 90 MAIN ST BATAVIA, NY 14020 | FIRST UNUM LIFE INSURANCE COMPANY | — | — | $0 | — |
| THE JAMES B OSWALD COMPANY Filed as: JAMES R NELLIGAN & ASSOC | 1933 STATE RT 35 STE 368 WALL, NJ 07719 | FIRST UNUM LIFE INSURANCE COMPANY | — | — | $0 | — |
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 | 99 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 100 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENT HEALTH BENEFITS CORPORATION | 52 | $586K |
| Dental | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 0 | $0 |
| Vision | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 0 | $0 |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 0 | $0 |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 0 | $0 |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 0 | $0 |
| Other(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 99 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 99 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.