| 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 | $90K | — | $90K | 10.81% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES LLC | 2338 IMMOKALEE RD, SUITE 240 NAPLES, FL 34110 | SUN LIFE AND HEALTH INSURANCE COMPANY | $44K | — | $44K | 5.37% |
| SBR SERVICES LLC3 | 2839 PACES FERRY RD, SUITE 830 ATLANTA, GA 30339 | SUN LIFE AND HEALTH INSURANCE COMPANY | $32K | $3K | $35K | 5.68% |
| 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 | 19.89% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INSURANCE AGENCIES INC | 90 MAIN STREET BATAVIA, NY 14020 | METROPOLITAN LIFE INSURANCE COMPANY | $24K | — | $24K | 31.10% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EXCELLUS BLUE CROSS BLUE SHIELD EIN 16-1482357 NONE | Claims processing Service code 12 | 165 COURT STREET ROCHESTER, NY 14647 | $417K |
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 | 1,273 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,273 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 506 | $160K |
| Dental | DELTA DENTAL OF NEW YORK | 799 | $0 |
| Vision | DAVIS VISION | 1,500 | $134K |
| Life insurance | SUN LIFE AND HEALTH INSURANCE COMPANY | 1,273 | $829K |
| Long-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY | 1,273 | $829K |
| Stop-loss / reinsurancereinsurance | SUN LIFE AND HEALTH INSURANCE COMPANY | 821 | $619K |
| Other | SUN LIFE AND HEALTH INSURANCE COMPANY | 1,273 | $829K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,500 | — |
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.