| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TOMPKINS INSURANCE AGENCIES Filed as: TOMPKINS INSURANCE AGENCIES INC | 90 MAIN STREET BATAVIA, NY 14020 | SUN LIFE AND HEALTH INSURANCE COMPANY | $70K | — | $70K | 8.80% |
| JAMES R NELLIGAN & ASSOCIATES LLC Filed as: JAMES R. NELLIGAN & ASSOCIATES LLC | 1800 STATE ROUTE 34 BLDG 4, STE 404 WALL, NJ 07719 | SUN LIFE AND HEALTH INSURANCE COMPANY | $33K | — | $33K | 4.19% |
| SBR SERVICES LLC | 2839 PACES FERRY RD, SUITE 830 ATLANTA, GA 30339 | SUN LIFE AND HEALTH INSURANCE COMPANY | $30K | — | $30K | 5.00% |
| TOMPKINS INSURANCE AGENCIES Filed as: TOMPKINS INSURANCE AGENCIES INC | 90 MAIN STREET BATAVIA, NY 14020 | DAVIS VISION | $13K | — | $13K | 10.00% |
| TOMPKINS INSURANCE AGENCIES Filed as: TOMPKINS INSURANCE AGENCIES INC | 90 MAIN STREET BATAVIA, NY 14020 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | — | $17K | 20.95% |
| TOMPKINS INSURANCE AGENCIES Filed as: TOMPKINS INSURANCE AGENCIES INC | 90 MAIN STREET BATAVIA, NY 14020 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | — | $15K | 20.30% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EXCELLUS BLUE CROSS BLUE SHIELD EIN 16-1482357 NONE | Claims processing Service code 12 | 165 COURT STREET ROCHESTER, NY 14647 | $426K |
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 | 1,264 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,264 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 487 | $158K |
| Dental | DELTA DENTAL OF NEW YORK | 865 | $0 |
| Vision | DAVIS VISION | 1,507 | $128K |
| Life insurance | SUN LIFE AND HEALTH INSURANCE COMPANY | 1,264 | $796K |
| Long-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY | 1,264 | $796K |
| Stop-loss / reinsurancereinsurance | SUN LIFE AND HEALTH INSURANCE COMPANY | 801 | $603K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,507 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.