| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $0 | $8K | 5.00% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INS AGENCIES, INC | 90 MAIN ST BATAVIA, NY 14020 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $0 | $8K | 4.93% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INS AGENCIES, INC | 90 MAIN ST BATAVIA, NY 14020 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $1K | $11K | 9.45% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 5.00% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INS AGENCIES, INC | 90 MAIN ST BATAVIA, NY 14020 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $787 | $10K | 16.25% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 5.00% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INSURANCE AGENCIES INC. | 1767 SENTRY PARKWAY W #1210 BLUE BELL, PA 19422 | EYEMED VISION CARE | $3K | $0 | $3K | 9.14% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 2338 IMMOKALEE RD STE 240 NAPLES, FL 34110 | EYEMED VISION CARE | $2K | $0 | $2K | 4.57% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EXCELLUS BLUE SHIELD EIN 15-0329043 ADMIN | Claims processing Service code 12 | — | $414K |
| LIFETIME BENEFIT SOLUTIONS, INC ADMIN | Claims processing Service code 12 | 333 BUTTERNUT DR SYRACUSE, NY 23214 | $9K |
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 | 508 | 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) | 508 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE | 592 | $35K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 508 | $166K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 163 | $112K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 508 | $278K |
| Stop-loss / reinsurancereinsurance | EXCELLUS BCBS | 0 | $0 |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 508 | $229K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 592 | — |
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.